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The following are terms of a legal agreement between you and Experts in Focus, a DBA of Diadem Ministries, Inc. By accessing this website, you acknowledge that you have read, understood, and agree to be bound by these terms and to comply with all applicable laws and regulations. If you do not agree to these terms, please do not use this website. Experts in Focus may, without notice to you, at any time revise these Terms of Use and any other information contained in this website by updating this posting. Experts in Focus may also make improvements or changes in the products, services, or programs described in this site at any time without notice.

You agree to use this site only for the lawful purposes described in more detail in the "Restrictions on Use" section below. You agree not to take any action that might compromise the security of the site, render the site inaccessible to others or otherwise cause damage to the site or the Content. You agree not to add to, subtract from, or otherwise modify the Content, or to attempt to access any Content that is not intended for you. You agree not to use the Site in any manner that might interfere with the rights of third parties. To access this site or some of the resources it has to offer, you may be asked to provide certain registration details or other information. It is a condition of your use of this site that all the information you provide on this site will be correct, current, and complete. If Experts in Focus believes the information you provide is not correct, current, or complete, we have the right to refuse you access to this site or any of its resources, and to terminate or suspend your access at any time, without notice.

This site is provided solely for non-commercial, personal use, and/or so that you may learn about Experts in Focus and the services we provide . You may not use this site for any other purpose, including any commercial purpose, without Experts in Focus's express prior written consent. For example, you may not (and may not authorize any other party to) (i) co-brand this site, or (ii) frame this site, or (iii) hyper-link to this site, without the express prior written permission of an authorized representative of Experts in Focus. For purposes of these Terms of Use, "co-branding" means to display a name, logo, trademark, or other means of attribution or identification of any party in such a manner as is reasonably likely to give a user the impression that such other party has the right to display, publish, or distribute this site or Content accessible within this site. You agree to cooperate with Experts in Focus in causing any unauthorized co-branding, framing or hyper-linking immediately to cease.

The material and Content accessible from this site, and any other World Wide Web site owned, operated, licensed, or controlled by Experts in Focus is the proprietary information of Experts in Focus or the party that provided the Content to Experts in Focus, and Experts in Focus or the party that provided the Content to Experts in Focus retains all right, title, and interest in the Content. Accordingly, the Content may not be copied, distributed, republished, uploaded, posted, or transmitted in any way without the prior written consent of Experts in Focus, or unless authorized in writing elsewhere on our site, except that you may print out a copy of the Content solely for your personal use. You are prohibited from using any of the marks or logos appearing throughout the site without the express written permission of Experts in Focus.

This site may be hyperlinked to other sites which are not maintained by, or related to, Experts in Focus. The inclusion of any hyperlink to a third-party site does not imply endorsement, sponsorship or recommendation by Experts in Focus of that site. Hyperlinks to such sites are provided as a service to users and are not sponsored by or affiliated with this site or Experts in Focus. Experts in Focus has not reviewed any or all of such sites and is not responsible for the content of those sites. Experts in Focus also makes no representations about the availability of hyperlinked sites. Hyperlinks are to be accessed at the user's own risk, and Experts in Focus makes no representations or warranties about the content, completeness, or accuracy of these hyperlinks or the sites hyperlinked to this site. If you click on a hyperlink to a site, please be aware that you will leave Experts in Focus’s web site and will become subject to the rules and conditions of the linked site(s). We recommend that you make yourself aware of the Terms of Use of any sites you link to from Experts in Focus’s site.

Protecting the online privacy of children is especially important to us, and those under the age of 13 are protected by federal law. For that reason, our Experts in Focus does not knowingly permit children under the age of 13 to buy goods and services on our sites, without verifiable parental consent. Experts in Focus does not knowingly collect or solicit personal information about children under 13, except with their parent's express consent.

If we ever include children under the age of 13 as part of our intended site audience, those specific web pages will, in accordance with the provisions of the Children's Online Privacy Protection Act (COPPA), be clearly identified and provide an explicit privacy notice; and we will provide processes to obtain parental approval, provide access to information and allow parents to request removal of their children's personal information.

You understand that Experts in Focus cannot and does not guarantee or warrant that files available for downloading from the Internet will be free of viruses, worms, Trojan horses or other code that may manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to this site for the reconstruction of any lost data. Experts in Focus does not assume any responsibility or risk for your use of the Internet.

THE COMPANY MAKES NO EXPRESS OR IMPLIED WARRANTIES, REPRESENTATIONS OR ENDORSEMENTS WHATSOEVER WITH RESPECT TO THE SITE, THE SERVICE, OR THE CONTENT. THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT, WITH REGARD TO THE SITE, THE SERVICE, THE CONTENT, AND ANY PRODUCT OR SERVICE FURNISHED OR TO BE FURNISHED VIA THE SITE. THE COMPANY DOES NOT WARRANT THAT THE FUNCTIONS PERFORMED BY THE SITE OR THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, OR THAT DEFECTS IN THE SITE OR THE SERVICE WILL BE CORRECTED. THE COMPANY DOES NOT WARRANT THE ACCURACY OR COMPLETENESS OF THE CONTENT, OR THAT ANY ERRORS IN THE CONTENT WILL BE CORRECTED. THE SITE, THE SERVICE AND THE CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS.

Experts in focus, its subsidiaries, affiliates, licensors, service providers, content providers, employees, agents, officers, and directors will not be liable for any incidental, direct, indirect, punitive, actual, consequential, special, exemplary, or other damages, including loss of revenue or income, pain and suffering, emotional distress, or similar damages, even if company has been advised of the possibility of such damages. In no event will the collective liability of company and its subsidiaries, affiliates, licensors, service providers, content providers, employees, agents, officers, and directors, to any party (regardless of the form of action, whether in contract, tort, or otherwise) exceed the greater of $100 or the amount you have paid to company for the applicable content, product or service out of which liability arose.

You will indemnify and hold Experts in Focus, its subsidiaries, affiliates, licensors, content providers, service providers, employees, agents, officers, directors, and contractors (hereinafter known as the "Indemnified Parties") harmless from any breach of these Terms of Use by you, including any use of Content other than as expressly authorized in these Terms of Use. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify any and all resulting loss, damages, judgments, awards, costs, expenses, and attorney's fees of the Indemnified Parties in connection therewith. You will also indemnify and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the information accessed from this site.

You may not post, send, submit, publish, or transmit in connection with this site any material that:

Although under no obligation to do so, Experts in Focus reserves the right to monitor use of this site to determine compliance with these Terms of Use, as well as the right to remove or refuse any information for any reason. Notwithstanding these rights, you remain solely responsible for the content of your Submissions. You acknowledge and agree that neither Experts in Focus nor any third party that provides Content to Experts in Focus will assume or have any liability for any action or inaction by Experts in Focus or such third party with respect to any Submission.

Any passwords used for this site are for individual use only. You will be responsible for the security of your password (if any). Experts in Focus will be entitled to monitor your password and, at its discretion, require you to change it. If you use a password that Experts in Focus considers insecure, Experts in Focus will be entitled to require the password to be changed and/or terminate your account.

You are prohibited from using any services or facilities provided in connection with this site to compromise security or tamper with system resources and/or accounts. The use or distribution of tools designed for compromising security (e.g., password guessing programs, cracking tools or network probing tools) is strictly prohibited. If you become involved in any violation of system security, Experts in Focus reserves the right to release your details to system administrators at other sites in order to assist them in resolving security incidents. Experts in Focus reserves the right to investigate suspected violations of these Terms of Use.

Experts in Focus reserves the right to fully cooperate with any law enforcement authorities or court order requesting or directing Experts in Focus to disclose the identity of anyone posting any e-mail messages, or publishing or otherwise making available any materials that are believed to violate these Terms of Use.

BY ACCEPTING THIS AGREEMENT YOU WAIVE AND HOLD HARMLESS EXPERTS IN FOCUS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY EXPERTS IN FOCUS DURING OR AS A RESULT OF ITS INVESTIGATIONS AND/OR FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER EXPERTS IN FOCUS OR LAW ENFORCEMENT AUTHORITIES.

Pursuant to Title 17, United States Code, Section 512(c)(2), notifications of claimed copyright infringement should be sent to Service Provider's Designated Agent.

These Terms of Use will be governed and interpreted pursuant to the laws of Delaware, United States of America, notwithstanding any principles of conflicts of law. You specifically consent to personal jurisdiction in Delaware’s connection with any dispute between you and Experts in Focus arising out of these Terms of Use or pertaining to the subject matter hereof. The parties to these Terms of Use each agree that the exclusive venue for any dispute between the parties arising out of these Terms of Use or pertaining to the subject matter of these Terms of Use will be in the state and/or federal courts in Kent County, Delaware. If any part of these Terms of Use is unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. These Terms of Use constitute the entire agreement among the parties relating to this subject matter. Notwithstanding the foregoing, any additional terms and conditions on this site will govern the items to which they pertain. Experts in Focus may revise these Terms of Use at any time by updating this posting.