TERMS OF USE

I. WEBSITE TERMS OF USE

Thank you for visiting this site, which is owned and operated by the American Public Media

These Terms of Use govern your use of this site and all sites owned and operated by American

Public Media Group (APMG) or one of its related companies and activities, including Minnesota

Public Radio (MPR), American Public Media (APM), Southern California Public Radio (SCPR),

Pretty Good Goods (PGG) and The Fitzgerald Theater Company (collectively, American Public

Media Group, MPR, APM, SCPR, and The Fitzgerald Theater are “APMG,” and also referred to

as “we,” “us,” and “our;” and collectively, all such sites are referred to as “this Site”).

In addition, these Terms of Use govern your use of all materials including APMG’s mobile apps,

podcasts (herein “Podcast or Podcasts”), online communications and other content that is, or

becomes available on this website. You shall not post, publish, transmit, reproduce, distribute on

in any way use or exploit any information for commercial purposes, neither can you use the

information in a manner that is inconsistent with these rules and regulations. You shall abide by

all applicable federal, state or local laws, including copyright or trademark infringement. BY

SIGNING ON AND USING APMG ONLINE, YOU AGREE TO ABIDE BY THESE RULES

AND ANY MODIFICATIONS THERETO.

The terms “APMG,” “we,” “us,” and “our” refer to American Public Media Group or one of its

related companies, including Minnesota Public Radio (MPR), American Public Media (APM),

Southern California Public Radio (SCPR), Classical South Florida (CSF), and The Fitzgerald

The term “Content” refers to all of the software and code comprising or used to operate this Site,

and all of the text, photographs, images, illustrations, graphics, sound recordings, video and

audio-video clips, and other materials available on this Site, including User-Generated Content

The term “Fair Use” refers to the legal doctrine[Link to Wikipedia Fair Use Doctrine] that

permits limited use of copyrighted material under certain limited circumstances without

acquiring prior permission from the rights holders.

The term “Feedback” refers to the Content you post on or through this Site that is specifically

about how we can improve this Site and the products and services we make available through

The term “including” means “including, but not limited to.”

The term “Site” refers to the website located at [url] and owned by APMG or one of its

The term “User-Generated Content” or “UGC” means all of the text, photographs, images,

illustrations, graphics, sounds, video and audio-video clips, and other content you post using the

social networking tools we make available to you and that does not constitute “Feedback.”

These Terms of Use apply to all users of this Site. By using this Site you are agreeing to comply

with and be bound by these Terms of Use. If you do not agree to these Terms of Use, you may

(b) Acceptance of Our Privacy Policy

As previously referenced, by using this Site, you are agreeing to comply with and be bound by

these Terms of Use; BY AGREEING TO COMPLY WITH AND BE BOUND BY THESE

TERMS OF USE, YOU AGREE TO THE TERMS OF OUR PRIVACY POLICY [insert link],

which is expressly incorporated herein. Before using this Site, please carefully review our

Privacy Policy. All personal information provided to us as a result of your use of this Site will be

handled in accordance with our Privacy Policy. To the extent there are inconsistencies between

these Terms of Use and our Privacy Policy, these Terms of Use control.

III. CONSENT TO OTHER AGREEMENTS

When you sign up to use a special feature of this Site, you may be asked to agree to special terms

governing your use of the special feature. In such cases, you may be asked to expressly consent

to the special terms, for example, by checking a box or clicking on a button marked “I agree.”

This type of agreement is known as a “click-through” agreement. If any of the terms of the click-

through agreement are different than the terms of these Terms of Use, the terms of the click-

through agreement will supplement or amend these Terms of Use, but only with respect to the

matters governed by the “click-through agreement.”

This Site, including all its Content are protected under applicable intellectual property and other

laws, including without limitation the laws of the United States and other countries. All Content

and intellectual property rights therein are the property of APMG, or the material is included

with the permission of the rights owner. All Content is protected pursuant to applicable

You understand that APMG presenting and/or providing Content on this Site does not constitute

a waiver of any of our rights in such Content. You do not acquire ownership rights to any such

Content viewed through this Site. EXCEPT AS OTHERWISE PROVIDED HEREIN, NONE

OF THIS CONTENT MAY BE USED, COPIED, REPRODUCED, DISTRIBUTED,

REPUBLISHED, DOWNLOADED, MODIFIED, DISPLAYED, POSTED OR

TRANSMITTED IN ANY FORM OR BY ANY MEANS, INCLUDING, BUT NOT LIMITED

TO, ELECTRONIC, MECHANICAL, PHOTOCOPYING, RECORDING, OR OTHERWISE,

WITHOUT OUR EXPRESS PRIOR WRITTEN PERMISSION.

Permission is hereby granted, to the extent necessary and consistent with Fair Use, (i) to lawfully

access and use this Site, and (ii) to display, download, or print portions of this Site on a

temporary basis and for your personal, educational, noncommercial use only, provided that you

(a) do not modify the Content; (b) you retain any and all copyright and other proprietary notices

contained in the Content; and (c) you do not copy or post the Content on any network computer

or broadcast the Content in any media.

Prior permission must be obtained for any other use of the Site or of Content on the Site. For

information on how to obtain permission, see the information posted here. [insert this link

http://info.americanpublicmediagroup.org/LP=847

The APMG names and logos, all product and service names, all graphics, all button icons, and all

trademarks, service marks and logos appearing within this Site, unless otherwise noted, are

trademarks (whether registered or not), service marks and/or trade dress of APMG (the “APMG

Marks”). All other trademarks, product names, company names, logos, service marks and/or

trade dress mentioned, displayed, cited or otherwise indicated within this Site are the property of

You are not authorized to display or use the APMG Marks in any manner without our prior

written permission. You are not authorized to display or use trademarks, product names,

company names, logos, service marks and/or trade dress of other owners featured within this Site

without the prior written permission of such owners. The use or misuse of the APMG Marks or

other trademarks, product names, company names, logos, service marks and/or trade dress or any

other materials contained herein, except as permitted herein, is expressly prohibited.

The MP3 audio files and XML files that together comprise an APMG-hosted podcast (herein

referred to as “the Podcast or Podcasts”), or any podcast featured on APMG-owned platforms,

are protected by U.S. and international copyright laws. All rights to a podcast originate from the

producer, including the content and technology included therein, and all rights are reserved to the

producer. APMG-produced Podcast(s) are available for personal, noncommercial use only. You

may link to APMG Podcast(s) from your personal Web site and audio files may be downloaded

and played on any system for personal, noncommercial purposes, provided that, unless

(a) you do not modify or delete any of the podcast content nor individual audio files;

(b) you do not redistribute the MP3 audio files made available as part of the Podcast nor

any audio file downloaded from americanpublicmedia.org;

(c) the use or display does not suggest that APMG, its related companies nor the producer

of the podcast(s) promotes or endorses any third party causes, ideas, Web sites, products

(d) audio files made available for download are not to be re-produced, edited, re-

transmitted, or in any way repurposed without prior consent from the producer of APMG.

APMG reserves the right to discontinue providing Podcast(s) and to require that you cease

accessing or using the Podcast(s) or any elements of the Podcast at any time for any reason.

The Podcast producer and/or APMG may modify any of the terms and conditions contained

herein, at any time and at our sole discretion, and such terms and conditions will become binding

Under no circumstances and under no legal theory, tort, contract, strict, liability, or otherwise,

shall the podcast producer, APMG, nor any related companies be liable to you or any other

person for any indirect, special, incidental, damages for lost profits, loss of goodwill, work

stoppage, accuracy of services, content or results, computer failure or malfunction, damages

resulting from disabling of the services provided as part of the Podcast(s).

V. RESPONSIBILITY FOR USER-GENERATED CONTENT POSTED ON OR

(a) You are responsible for User-Generated Content that you post. Under no circumstances

will we be liable in any way for any UGC.

This means that you, not APMG, are entirely responsible for all UGC that you post and

that you can be held personally liable for comments that are defamatory, obscene, or

libelous, or that violate these Terms of Use, an obligation of confidentiality, or the rights

of others. If any part of the UGC you post is not your original work, it is your

responsibility to obtain any necessary permission prior to your posting someone else’s

Because we do not control the UGC posted on or through this Site, WE CANNOT AND

DO NOT WARRANT OR GUARANTEE THE TRUTHFULNESS, INTEGRITY,

SUITABILITY, OR QUALITY OF THAT UGC. You also agree and understand that by

accessing this Site, you may encounter UGC that you may consider to be objectionable.

WE HAVE NO RESPONSIBILITY FOR ANY UGC, INCLUDING WITHOUT

LIMITATION ANY ERRORS OR OMISSIONS THEREIN. WE ARE NOT LIABLE

FOR ANY LOSS OR DAMAGE OF ANY KIND YOU MAY CLAIM WAS

INCURRED AS A RESULT OF THE USE OF ANY UGC POSTED, EMAILED,

TRANSMITTED OR OTHERWISE MADE AVAILABLE ON OR THROUGH THIS

SITE. The UGC posted on or through this Site expresses the personal opinions of the

individuals who posted it and does not necessarily reflect the views of APMG or any

person or entity associated with APMG.

(b) You own User-Generated Content, but we may use it. You own the copyright in any

original UGC you post. We do not claim any copyrights in UGC.

However, by using this Site you are granting us and our subsidiaries, affiliates, successors

and assigns, a nonexclusive, fully paid, worldwide, perpetual, irrevocable, royalty-free,

transferable license (with the right to sublicense through unlimited levels of sub-

licensees) to use, copy, modify, distribute, publicly display and perform, publish,

transmit, remove, retain repurpose, and commercialize UGC you post in any and all

media or form of communication whether now existing or hereafter developed, without

obtaining additional consent, without restriction, notification, or attribution, and without

compensating you in any way, and to authorize others to do the same.

For this reason, we ask that you not post any UGC that you do not wish to license to us,

including any photographs, videos, confidential information, or product ideas.

(c) We may disclose and/or remove User-Generated Content. APMG has the right (but

APMG not assume the obligation) to:

 require that you avoid certain subjects;

 remove or block any UGC at any time without notice at our sole and absolute

 disclose any UGC and the identity of the user who posted it in response to a

subpoena or whenever we believe that disclosure is appropriate to comply with

the law or a court order, to prevent or investigate a possible crime or other

violation of law, to protect the rights of APMG or others, or to enforce these

 terminate your access to and use of this Site, or to modify, edit or block your

transmissions thereto in our sole discretion.

You agree that our exercise of such discretion shall not render us the owners of UGC you

post, and that you will retain ownership thereof as described above.

(d) Restrictions on User-Generated Content. It is a condition of these Terms of Use that you

 upload, post, transmit or otherwise make available

o any UGC that is unlawful, harmful, hateful, threatening, abusive, harassing,

libelous, defamatory, obscene, vulgar, pornographic, profane, racially

disparaging, indecent, or invasive of another’s privacy;

o any UGC that constitutes or encourages activity illegal under criminal or civil

o any UGC that is false, misleading, or fraudulent;

o any UGC that you do not have a right to make available under any law or under

contractual or fiduciary relationships (such as inside information or proprietary

and confidential information learned or disclosed as part of employment

relationships or under nondisclosure agreements);

o any UGC that violates or infringes upon the rights of others, including UGC

which violates the patent rights, copyrights, trademark rights, privacy rights,

publicity rights, trade secret rights, confidentiality rights, contract rights, or any

other rights of any individual, living or deceased, or any legal entity;

o any UGC that contains the image, name or likeness of anyone other than yourself,

unless (i) that person is at least eighteen (18) years old and you have first obtained

his/her express permission or (ii) that person is under eighteen (18) years old but

you are his/her parent or legal guardian;

o any request for or solicitation of any personal or private information from any

o any request for or solicitation of money, goods, or services for private gain;

o any material that contains software viruses or any other computer code, files or

programs designed to interrupt, destroy or limit the functionality of any computer

software or hardware or telecommunications equipment; or

o any UGC that contains advertising, promotions or marketing, or which otherwise

has a commercial purpose;

 impersonate any person or entity or falsely state or otherwise misrepresent your

affiliation with a person or entity; or

 violate any local, state, national or international law, rule or regulation.

By posting User-Generated Content, you represent and warrant that (i) you own or otherwise

control all of the rights to the UGC and have the right to grant the license set forth in these Terms

of Use; (ii) the UGC is accurate, and (iii) you are at least eighteen years old and you have read

and understood—and your UGC fully complies with—these Terms of Use and applicable laws

and will not cause injury to any person or entity.

VI. REMOVAL OF CONTENT

(a) In general. You can seek removal of objectionable UGC by contacting us using the

information provided below [insert link]. We will review all such requests and will

remove UGC that we determine should be removed, in our sole discretion and in

accordance with these Terms of Use and applicable law. Please be aware, however, that if

the UGC has already been distributed to other websites or published in other media, we

will not be able to recapture and delete it. Also, a back-up or residual copy of the UGC

we remove from this Site may remain on back-up servers.

(b) Violation of copyrights. APMG does not knowingly violate or permit others to violate the

copyrights of others. We will promptly remove or disable access to material that we

confirm is infringing or if we become aware of circumstances from which infringing

If you are requesting removal of content because of a violation of your copyrights, please note

that the Digital Millennium Copyright Act of 1998 (the “DMCA”) provides recourse for

copyright owners who believe that material appearing on the Internet infringes their rights under

U.S. copyright law. If you believe that your own work, or the work of a third party for whom you

are authorized to act, is featured on this Site or has been otherwise copied and made available on

this Site in a manner that constitute copyright infringement, please notify us immediately. Your

notice must be in writing and must include

 an electronic or physical signature of the copyright owner or of the person authorized to

act on behalf of the owner of the copyright interest;

 a description of the copyrighted work that you claim has been infringed;

 a description of where the material that you claim is infringing is located on this Site

(including the URL, title and/or item number if applicable, or other identifying

 your name, address, telephone number, and email address, and, if you are not the owner

of the copyright, the name of the owner; and

 a written statement by you that you have a good-faith belief that the disputed use is not

authorized by the copyright owner, its agent, or the law; and

 a statement by you, made under penalty of perjury, that the above information in your

notice is accurate and that you are the copyright owner or authorized to act on the

Your statement must be addressed as follows:

ATT: Copyright Agent – Legal Department

Any notification by a copyright owner or a person authorized to act on its behalf that fails to

comply with requirements of the DMCA shall not be considered sufficient notice and shall not

be deemed to confer upon us actual knowledge of facts or circumstances from which infringing

Although we do not claim ownership of User-Generated Content you post using this Site, the

Feedback you provide to us through this Site will be and remain our exclusive property. Your

submission of Feedback will constitute an assignment to us of all worldwide rights, title and

interests in your Feedback, including all copyrights and other intellectual property rights in your

Feedback. We will be entitled to reduce to practice, exploit, make, use, copy, disclose, display or

perform publicly, distribute, improve and modify any Feedback you submit for any purpose

whatsoever, without restriction and without compensating you in any way. For this reason, we

ask that you not send us any Feedback that you do not wish to assign to us.

In consideration of your use of this Site, you agree that to the extent you provide personal

information to APMG it will be true, accurate, current, and complete and that you will update all

To the extent you create an account through this Site, you understand and agree that any account

you create, including your username and password, are personal to you and may not be used by

anyone else. You are responsible for maintaining the confidentiality of your username and

password and are fully responsible for all activities that occur under your username and

password by you or by anyone else using your username and password, whether or not

authorized by you. You agree to change your password immediately if you believe your

password may have been compromised or used without authorization. You also agree to

immediately inform us of any apparent breaches of security such as loss, theft or unauthorized

disclosure or use of your username or password by contacting us using the information provided

below. [insert link] Until we are so notified you will remain liable for any unauthorized use of

You agree to use this Site in a manner consistent with any and all applicable rules and

regulations. You agree not to upload or transmit through this Site any computer viruses, trojan

horses, worms or anything else designed to interfere with, interrupt or disrupt the normal

operating procedures of a computer. Any unauthorized modification, tampering or change of any

information, or any interference with the availability of or access to this Site is strictly

prohibited. We reserve all rights and remedies available to us.

WE MAKE NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO THIS SITE

OR ITS CONTENT, OR ANY PRODUCT OR SERVICE AVAILABLE ON OR PROMOTED

THROUGH THIS SITE. THIS SITE AND ALL OF ITS CONTENT (INCLUDING USER-

GENERATED CONTENT) ARE PROVIDED ON AN “AS IS,” “AS AVAILABLE” BASIS,

WITHOUT REPRESENTATIONS OR WARRANTIES OF ANY KIND. TO THE FULLEST

EXTENT PERMITTED BY LAW, APMG, ITS AFFILIATES, AND THEIR SERVICE

PROVIDERS AND LICENSORS DISCLAIM ANY AND ALL REPRESENTATIONS AND

WARRANTIES, WHETHER EXPRESS, IMPLIED, ARISING BY STATUTE, CUSTOM,

COURSE OF DEALING, COURSE OF PERFORMANCE OR IN ANY OTHER WAY, WITH

RESPECT TO THIS SITE, ITS CONTENT, AND ANY PRODUCTS OR SERVICES

AVAILABLE OR PROMOTED THROUGH THIS SITE. WITHOUT LIMITING THE

GENERALITY OF THE FOREGOING, APMG, ITS AFFILIATES, AND THEIR SERVICE

PROVIDERS AND LICENSORS DISCLAIM ALL REPRESENTATIONS AND

WARRANTIES (A) OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY AND

FITNESS FOR A PARTICULAR PURPOSE; (B) RELATING TO THE SECURITY OF THIS

SITE; (C) THAT THE CONTENT OF THIS SITE IS ACCURATE, COMPLETE OR

CURRENT; OR (D) THAT THIS SITE WILL OPERATE SECURELY OR WITHOUT

WE DO NOT REPRESENT OR WARRANT THAT THIS SITE, ITS SERVERS, OR ANY

TRANSMISSIONS SENT FROM US OR THROUGH THIS SITE WILL BE FREE OF ANY

HARMFUL COMPONENTS (INCLUDING VIRUSES).

APMG DOES NOT ENDORSE AND IS NOT RESPONSIBLE FOR STATEMENTS, ADVICE

AND OPINIONS MADE BY ANYONE OTHER THAN AUTHORIZED APMG

SPOKESPERSONS. WE DO NOT ENDORSE AND ARE NOT RESPONSIBLE FOR ANY

STATEMENTS, ADVICE OR OPINIONS CONTAINED IN USER-GENERATED CONTENT

AND SUCH STATEMENTS, ADVICE AND OPINIONS DO NOT IN ANY WAY REFLECT

THE STATEMENTS, ADVICE AND OPINIONS OF APMG. WE DO NOT MAKE ANY

REPRESENTATIONS OR WARRANTIES AGAINST THE POSSIBILITY OF DELETION,

MISDELIVERY OR FAILURE TO STORE COMMUNICATIONS, PERSONALIZED

SETTINGS, OR OTHER DATA. YOU ACCEPT THAT OUR SHAREHOLDERS, OWNERS,

OFFICERS, DIRECTORS, EMPLOYEES AND OTHER REPRESENTATIVES SHALL

HAVE THE BENEFIT OF THIS CLAUSE AND PROTECTION OF THIS DISCLAIMER.

APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OF CERTAIN WARRANTIES,

SO ALL OR PART OF THIS DISCLAIMER OF WARRANTIES MAY NOT APPLY TO

X. LIMITATION OF LIABILITY

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAWS WE, ON BEHALF OF

OUR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, SUPPLIERS, LICENSORS AND

SERVICE PROVIDERS, EXCLUDE AND DISCLAIM LIABILITY FOR ANY LOSSES AND

EXPENSES OF WHATEVER NATURE AND HOWSOEVER ARISING INCLUDING,

WITHOUT LIMITATION, ANY DIRECT, INDIRECT, GENERAL, SPECIAL, PUNITIVE,

INCIDENTAL OR CONSEQUENTIAL DAMAGES; LOSS OF USE; LOSS OF DATA; LOSS

CAUSED BY A VIRUS; LOSS OF INCOME OR PROFIT; LOSS OF OR DAMAGE TO

PROPERTY; CLAIMS OF THIRD PARTIES; OR OTHER LOSSES OF ANY KIND OR

CHARACTER, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH

DAMAGES OR LOSSES, ARISING OUT OF OR IN CONNECTION WITH THE USE OF

THIS SITE. YOU ASSUME TOTAL RESPONSIBILITY FOR ESTABLISHING SUCH

PROCEDURES FOR DATA BACK UP AND VIRUS CHECKING AS YOU CONSIDER

NECESSARY. THIS LIMITATION OF LIABILITY APPLIES WHETHER THE ALLEGED

LIABILITY IS BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT

LIABILITY OR ANY OTHER BASIS.

IF ANY PART OF THIS LIMITATION ON LIABILITY IS FOUND TO BE INVALID OR

UNENFORCEABLE FOR ANY REASON, THEN THE AGGREGATE LIABILITY OF THE

RELEASED PARTIES FOR LIABILITIES THAT OTHERWISE WOULD HAVE BEEN

LIMITED SHALL NOT EXCEED TEN DOLLARS ($10.00).

This Site gives you specific legal rights, and you may also have other rights which vary from

country to country. Some jurisdictions do not allow certain kinds of limitations or exclusions of

liability, so the limitations and exclusions set out in these Terms of Use may not apply to you.

Other jurisdictions allow limitations and exclusions subject to certain conditions. In such a case

the limitations and exclusions set out in these Terms of Use shall apply to the fullest extent

permitted by the laws of such applicable jurisdictions. Your statutory rights as a consumer, if

any, are not affected by these provisions, and we do not seek to exclude or limit liability for

XI. LINKS TO THIRD-PARTY WEBSITES

This Site may provide links to other websites operated by third parties. Because we have no

control over third-party websites, we are not responsible for the availability of those websites

and do not endorse and are not responsible or liable for any content, advertising, services,

products, or other materials on or available from such websites. APMG shall not be responsible

or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in

connection with the use of or reliance on any content, advertising, services, products, or other

materials on or available from such websites. These Terms of Use do not apply to your use of

third-party websites; your use of such websites is subject to the terms and policies of the owner

XII. MODIFICATION AND DISCONTINUATION

We reserve the right at any time and from time-to- time to modify, edit, delete, suspend or

discontinue, temporarily or permanently this Site (or any portion thereof) and/or the information,

materials, products and/or services available through this Site (or any part thereof) with or

without notice. You agree that we shall not be liable to you or to any third party for any such

modification, editing, deletion, suspension or discontinuance of this Site.

Our failure at any time to require performance of any provision of these Terms of Use or to

exercise any right provided for herein will not be deemed a waiver of such provision or such

right. All waivers must be in writing. Unless the written waiver contains an express statement to

the contrary, no waiver by APMG of any breach of any provision of these Terms of Use or of

any right provided for herein will be construed as a waiver of any continuing or succeeding

breach of such provision, a waiver of the provision itself, or a waiver of any right under these

If any provision of these Terms of Use is held by a court of competent jurisdiction to be contrary

to law, such provision will be changed and interpreted so as to best accomplish the objectives of

the original provision to the fullest extent allowed by law and the remaining provisions of these

Terms of Use will remain in full force and effect.

XV. GOVERNING LAW, JURISDICTION AND VENUE

These Terms of Use will be governed under the laws of the State of Minnesota without regard to

its conflicts of law provisions. All actions or proceedings arising out of or relating to these Terms

of Use will be venued exclusively in state or federal court in Ramsey County, Minnesota. You

hereby irrevocably consent and submit to the personal jurisdiction of said courts for all such

purposes. However, we retain the right to bring legal proceedings in any jurisdiction where we

believe that infringement of these Terms of Use is taking place or originating.

By using this Site, you agree to indemnify and hold APMG, its subsidiaries, and affiliates, and

their respective officers, agents, partners and employees, harmless from any loss, liability, claim,

or demand, including reasonable attorneys’ fees, made by any third party due to or arising out of

your use of this Site in violation of these Terms of Use and/or arising from a breach of these

Terms of Use and/or any breach of your representations and warranties set forth above and/or if

any material that you post using this Site causes us to be liable to another. We reserve the right to

defend any such claim, and you agree to provide us with such reasonable cooperation and

XVII. THESE TERMS OF USE MAY CHANGE

These Terms of Use are current as of the effective date set forth above. APMG reserves the right

to change these Terms of Use from time to time consistent with applicable laws and principles.

These changes will be effective as of the date we post the revised version on this Site. Your

continued use of this Site after we have posted the revised Terms of Use constitutes your

agreement to be bound by the revised Terms of Use. IF AT ANY TIME YOU CHOOSE NOT

TO ACCEPT THESE TERMS OF USE, YOU MUST NOT USE THIS SITE.

XVIII. ENTIRE AGREEMENT

These Terms of Use (together with our Privacy Policy and any Privacy Notices or click-through

agreements applicable to you) contain the entire understanding and agreement between you and

APMG with respect to this Site and supersede all previous communications, negotiations, and

agreements, whether oral, written, or electronic, between you and APMG with respect to this Site

If you have any questions about this Site or these Terms of Use, please contact us using the