ALL CLIENTS PLEASE NOTE: The online relationship is directly between you and the BSP - just like in the brick & mortar world. If you are dissatisfied in any way you must take it up directly with the BSP. The BSP desires to provide his or her services directly to the public and we ask you do all you can as a client to be fair and impartial. We do not guarantee the accuracy of any BSP's credentials and you should take the utmost care to check the credentials of any professional offering their services online. We suggest you carefully review the FAQs to make sure you understand how the relationship between you and the BSP works using the PremiumCHAT System.

PremiumCHAT.com ("TFHC, Inc.") makes available information, materials, and products on this Web site, subject to the following terms and conditions. By accessing this site, you agree to the terms and conditions as outlined in this legal notice. TFHC, Inc. reserves the right to change these terms and conditions from time to time at its sole discretion.

Copyright: The information on this Web site is protected by copyright: Copyright 1999, 2000, 2001, 2002 TFHC, Inc. All rights reserved. Except as specifically permitted herein, no portion of the information in this Web site may be reproduced in any form or by any means without the prior written permission from TFHC, Inc.

Use of Software: The software and accompanying documentation that are made available to download from this Web site (and all Web sites operating TFHC, Inc.) are the copyrighted works of TFHC, Inc. Use of the software is governed by the terms of the end user license agreement which accompanies or is included with such software. You will not be able to download or install any software that is accompanied by or includes an end user license agreement unless you agree to the terms of such end user license agreement. If you do not agree to these terms, you are not authorized to use the software.

Use of Web Site Information: Except for the design and layout of this Web site, and except as otherwise indicated elsewhere on this Web site, you may view, copy, print and distribute documents available on this Web site subject to the following conditions:

1.	The document may be used solely for personal, informational, non-commercial purposes;
2.	The document may not be modified or altered in any way;
3.	Any copy of the document or portion thereof must include TFHC, Inc.'s copyright notice, as set forth above, and this permission notice; and
4.	TFHC, Inc. reserves the right to revoke such authorization at any time, and any such use shall be discontinued immediately upon written notice from TFHC, Inc.

Documents specified above do not include the design or layout of this Web site. Elements of this Web site are protected by trade dress and other laws and may not be copied or imitated in whole or in part. Violators will be prosecuted.

Indemnity Agreement: If you place any written material, photographs, text, graphics or executable software ("Material") on this or any other Web site owned or operated by TFHC, Inc., you agree to indemnity and hold harmless TFHC, Inc. from any and all losses, costs, expenses, and damages (including court costs and reasonable attorney fees) incurred by TFHC, Inc. on account of any and all manner of claims, threats of claims, demands, actions and/or proceedings that may be instituted against the TFHC, Inc. on grounds alleging that the Material violates any copyright or any other proprietary right of any person or entity, or that it contains any matter that is defamatory, libelous, obscene or scandalous, or invades any person's right to privacy or other personal rights. You agree, at your own expense, to promptly defend and continue the defense of any such claim, threat of claim, demand, action, or proceeding that may be brought against TFHC, Inc. This indemnity does not require payment as a condition precedent by you to recovery under the same.

Warranty Disclaimers: EXCEPT AS EXPRESSLY PROVIDED OTHERWISE IN A WRITTEN AGREEMENT SIGNED BY YOU AND AN OFFICER OF TFHC, INC., ALL INFORMATION AND SOFTWARE ON THIS WEB SITE ARE PROVIDED "AS IS" WITHOUT ANY WARRANTIES OR OTHER CONDITIONS, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO WARRANTIES OF MERCHANTABLE QUALITY, SATISFACTORY QUALITY, MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR THOSE ARISING BY LAW, STATUTE, USAGE OF TRADE, OR COURSE OF DEALING. TFHC, INC. ASSUMES NO RESPONSIBILITY FOR ERRORS OR OMISSIONS IN THE INFORMATION OR SOFTWARE OR OTHER DOCUMENTS WHICH ARE REFERENCED BY OR LINKED TO THIS WEB SITE.

REFERENCES TO BUSINESSES OR CORPORATIONS, THEIR SERVICES AND PRODUCTS ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED.

IN NO EVENT SHALL TFHC, INC. BE LIABLE FOR ANY SPECIAL, INCIDENTAL, INDIRECT OR CONSEQUENTIAL DAMAGES OF ANY KIND, OR ANY DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, THOSE RESULTING FROM LOSS OF USE, DATA OR PROFITS, WHETHER OR NOT TFHC, INC. IS ADVISED OF THE POSSIBILITY OF DAMAGE, AND ON ANY THEORY OF LIABILITY, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF THIS INFORMATION. SOME STATES OR COUNTRIES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

THIS WEB SITE OR OTHER WEB SITES OPERATED BY TFHC, INC. MAY HAVE TECHNICAL OR OTHER INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY MADE TO THE INFORMATION HEREIN OR TO OTHER WEB SITES OPERATED BY TFHC, INC.; THESE CHANGES WILL BE INCORPORATED IN NEW EDITIONS OF TFHC, INC.'S WEB SITES. TFHC, INC. MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE PRODUCT(S) AND/OR THE PROGRAM(S) DESCRIBED IN THIS WEB SITE AT ANY TIME.

This Web site can be accessed from countries around the world and may contain references to products, services, and programs that may not be available in your country. These references do not imply that TFHC, Inc. intends to announce such products, services or programs in your country.

Feedback; Confidential Information; Privacy; Ideas Know-How:> Unless otherwise explicitly stated herein or in TFHC, Inc.'s Privacy Policy, any information or material sent to TFHC, Inc. will be deemed NOT to be confidential. By sending TFHC, Inc. any information or material, you grant TFHC, Inc an unrestricted, irrevocable license to use, reproduce, display, perform, modify, transmit and distribute that material or information, and you also agree that TFHC, Inc. is free to use any ideas, concepts, know-how or techniques that you send us for any purpose. However, we will not release your name or otherwise publicize the fact that you submitted materials or other information to us unless: (a) you grant us permission, expressly or impliedly, to do so; (b) we first notify you that the materials or other information you submit to a particular part of a site will be published or otherwise used with your name on it; or (c) we are required to do so by law.

To learn more about how TFHC, Inc. protects your personal information, such as your name and address, please refer to the TFHC, Inc. Online Privacy Statement.

Links to Third-Party Web Sites: The Web sites operated by TFHC, Inc. may contain links to third-party Web sites which are not under the control of TFHC, Inc. TFHC, Inc. makes no representations whatsoever about any other Web site to which you may have access through any TFHC, Inc. Web site. When you access a TFHC, Inc. Web site, you do so at your own risk and TFHC, Inc. is not responsible for the accuracy or reliability of any information, data, opinions, advice, or statements made on these sites. TFHC, Inc. provides links merely as a convenience and the inclusion of such links does not imply that TFHC, Inc. endorses or accepts any responsibility for the content or uses of such Web sites.

Governing Law and Jurisdiction: This Web site (excluding linked sites) and all Web sites operated by TFHC, Inc. is controlled by TFHC, Inc. from its offices in California, U.S.A. By accessing this Web site, you and TFHC, Inc. agree that all matters relating to your access to, or use of, this Web site shall be governed by the statutes and laws of the State of California, without regard to the conflicts of laws principles thereof. You and TFHC, Inc. also agree and hereby submit to the exclusive personal jurisdiction and venue of the law courts located in the County of Orange, State of California, U.S.A., with respect to such matters. TFHC, Inc. makes no representation that materials or this Web sit are appropriate or available for use in other locations, and accessing them from territories where there contents are illegal is prohibited. Those who choose to access this Web site from locations outside of the State of California do so on their own initiative and are responsible for compliance with local laws.