Terms of Use

Any person accessing this site agrees to the following:

Material on this site is the copyrighted property of Regan Associates, Chartered (Regan Associates). All rights reserved. The information and images presented here may not under any circumstances be reproduced or used without prior written permission. Users may view and download material from this site only for the following purposes: (a) for personal, non-commercial home use; (b) where the materials clearly state that these materials may be copied and reproduced according to the terms stated in those particular pages; or (c) with the express written permission of Regan Associates. In all other cases, you will need written permission from Regan Associates to reproduce, republish, upload, post, transmit, distribute or publicly display material from this Web site. Users agree not to use the site for sale, trade or other commercial purposes. Users may not use language that is threatening, abusive, vulgar, discourteous or criminal. Users also may not post or transmit information or materials that would violate rights of any third party or which contains a virus or other harmful component. Regan Associates reserves the right to remove or edit any messages or material submitted by users.

Regan Associates is not responsible for material submitted to Regan Associates or posted in chatrooms or on bulletin boards by site users. By communicating with Regan Associates, however, users grant Regan Associates permission to use any information, suggestions, ideas, drawings or concepts communicated for any purpose Regan Associates chooses, commercial, public or otherwise, without compensation whatsoever.

THE MATERIALS IN THIS SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, REGAN ASSOCIATES DISCLAIMS ALL WARRANTIES , EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. REGAN ASSOCIATES DOES NOT WARRANT OR REPRESENT THAT THE INFORMATION IS ACCURATE OR RELIABLE OR THAT THE SITE WILL BE FREE OF ERRORS OR VIRUSES.

Under no circumstances, including but not limited to negligence, will Regan Associates be liable for special or consequential damages that result from the use or inability to use the materials in this site. In no event shall Regan Associates' liability to a user for any loss, damage or claim exceed the amount paid by the user for accessing this site.

Regan Associates offers links to, and listings of, various third-party Web sites for the convenience of its customers, and, unless otherwise expressly indicated, no affiliation between Regan Associates and an entity linked to or listed is intended. Except where indicated, Regan Associates does not endorse any company or product not offered by Regan Associates including the advertisers on linked Web sites or on the web sites of listed entites. Regan Associates does not monitor sites linked to and the use of any such link is strictly at the user's own risk. In no event shall Regan Associates be liable for special or consequential damages that result from activity occurring on non-Regan Associates Web sites when a user links to such site from racatty.com.

This agreement is effective until terminated by either party. You may terminate this agreement at any time by discontinuing your use of Regan Associates site and destroying all materials obtained from it.