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Last amended: May 11, 2004

The Terms of Use are between you and PEI (we, us, and our). Your use of the www.SIMMsmart.com website or any affiliated websites (the "website") constitutes an acknowledgement that you have read the most recent version of the Terms of Use and that you agree to adhere to its terms. If you do not agree to be bound by these Terms of Use, please cease all further use. We reserve the right to amend these Terms of Use at any time.

1. Access to Website

Limited License

We grant you a limited license to access and make personal use of the website and not to download (other than page caching) or modify any portion of the website without our prior written approval. You shall not use any robot, spider, or other device to monitor the website in any manner. We may terminate this license at any time.

2. Policies Governing Use of the Website

Links to the Website

You are expressly prohibited from framing or linking or otherwise using or displaying the website or any portion thereof in such a manner so that it appears to be part of your own or someone else's website. You shall not deep link to any page on the website or otherwise link in a manner that bypasses the website's home page.

Privacy Policy

Our use of your information shall be governed at all times by our privacy policy.

Links to Other Websites

We may place links on the website to other websites on the Internet that are owned or operated by third parties. For instance, our Resource Partners are separate companies from PEI, and are independently owned and operated. You acknowledge and agree that we are not responsible for, nor do we endorse or support the operation of or content located on any such website, and we cannot and do not warrant that the content of such websites is accurate, complete, legal, and/or inoffensive. By linking to these third-party websites, you acknowledge and agree that you may not make any claim against us for any damages or losses of any kind arising from the third-party website and/or the link.

3. Intellectual Property

Trademarks

Carleton H. Sheets®, Successful Investing & Money Management®, The Entrepreneur's Program®, Financial Freedom Planner™, 9 Big Money Ideas, and other marks, logos, graphics, and trade dress used on the website are our trademarks or the trademarks of our affiliates, and may not be used in any manner (including in meta-tags or hidden text) without our prior written approval.

Copyrights

The materials posted on the website are copyrighted materials of PEI and may not be reproduced, distributed, made the subject of a derivative work, or publicly displayed without permission from PEI.

4. Disclaimer of Warranty; No Consequential Damages; Limitation of Liability
Disclaimer of Warranty

YOU ACKNOWLEDGE THAT YOUR USE OF THE WEBSITE IS ENTIRELY AT YOUR OWN RISK. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT. SOME STATES DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMER MAY NOT APPLY TO YOU. CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

No Consequential Damages

IN NO EVENT SHALL WE OR ANY OF OUR AFFILIATES BE LIABLE TO YOU FOR ANY SPECIAL, CONSEQUENTIAL, INCIDENTAL, INDIRECT, PUNITIVE OR EXEMPLARY DAMAGES, LOST PROFITS, OR FOR THE COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, HOWEVER CAUSED, INCLUDING THROUGH THE USE OF THE WEBSITE OR THE PROVISION OF SERVICES THEREBY.

Limitation of Liability

NOTWITHSTANDING ANYTHING TO THE CONTRARY HEREIN, OUR AGGREGATE LIABILITY TO YOU ARISING OUT OF OR RELATED IN ANY WAY TO THESE TERMS OF USE SHALL NOT EXCEED THE AGGREGATE AMOUNT PAID BY YOU TO US UNDER THESE TERMS OF USE DURING THE SIX-MONTH PERIOD IMMEDIATELY PRECEDING THE DATE UPON WHICH THE EVENT GIVING RISE TO THE CLAIM AGAINST US AROSE.

5. Miscellaneous

Choice of Law; Jurisdiction

These Terms of Use shall be governed and interpreted in accordance with the substantive law of the State of Illinois without regard to its conflict of law provisions. You agree to the exclusive jurisdiction of the courts located within Cook County, Illinois.

Severability

If any provision of these Terms of Use is deemed invalid or unenforceable, that provision shall be deemed severable and shall not affect the validity, legality, or enforceability of the remaining provisions.

Survival

Any section of these Terms of Use, which by its terms and nature is meant to survive the termination of these Terms of Use, shall survive such termination.

Entire Agreement

These Terms of Use set forth the entire understanding and agreement between us with respect to the subject matter hereof.

CONTACT US:

To contact the Professional Education Institute, please call 888-215-9395.