In plain language, the terms stipulate essentially that you, by accessing and using the Forum, agree not to misuse the functionality and information of this web site, nor to make your user name and password and the information available to any third party.   At the same time, you also agree that IT Finance is not responsible for the information provided by users, nor for any third-party web sites to which we may refer.

A more legalistic set of terms are provided below.

IT Finance ("Clubs.org", "the Forum" or "we") provides its content at this web site (Clubs.org/bank, "the Site") subject to the following terms.  We may periodically change the terms, so please check back from time to time.  These terms were last updated on 23 May 2005.   By accessing and using the Forum, you agree to the terms.

1. Copyrights.  All content and functionality on the Site is the exclusive property of IT Finance and is protected by international copyright laws.

2. Use of Site Content.  The user name and password you obtain from IT Finance are only for use by yourself, and you shall not make them available to any other party.  IT Finance hereby grants you a non-exclusive, non-transferable license to access and download, display, and print the content and functionality displayed on the Site on any single computer solely for your internal, business use, provided that you do not modify the Site Content in any way and that you retain all copyright and other proprietary notices displayed.  You may not otherwise reproduce, modify, distribute, transmit, post, or disclose the Site content without IT Finance's prior written consent.

3. User Postings.  You covenant that you shall not post or otherwise publish on the Site any materials that (a) are threatening, libelous, defamatory, or obscene; (b) would constitute, or that encourage conduct that would constitute, a criminal offense, give rise to civil liability, or otherwise violate law; (c) infringe the intellectual property, privacy, or other rights of any third parties; (d) contain a computer virus or other destructive element; (e) contain advertising; or (f) constitute or contain false or misleading statements.  IT Finance does not and cannot review all information posted to the Site by users and is not responsible for such information.  However, IT Finance  reserves the right to refuse to post and the right to remove any information, in whole or in part, for any reason or for no reason.

4. Disclaimers. THE CONTENT AND FUNCTIONALITY ON THE SITE IS PROVIDED WITH THE UNDERSTANDING THAT ALL CONTENT AND FUNCTIONALITY ON THE SITE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. IT FINANCE  AND ITS THIRD-PARTY CONTENT PROVIDERS MAKE NO WARRANTIES, EXPRESS OR IMPLIED, AS TO THE OWNERSHIP, ACCURACY, OR ADEQUACY OF THE SITE CONTENT.  IT FINANCE SHALL HAVE NO LIABILITY OR RESPONSIBILITY FOR ANY INFORMATION PUBLISHED ON LINKED WEB SITES, CONTAINED IN ANY USER SUBMISSIONS PUBLISHED ON THE SITE, OR PROVIDED BY THIRD PARTIES.  NEITHER IT FINANCE NOR ITS THIRD-PARTY CONTENT PROVIDERS SHALL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES OR FOR LOST REVENUES OR PROFITS, WHETHER OR NOT ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES AND REGARDLESS OF THE THEORY OF LIABILITY.

5. Third-Party Web Sites.  We may provide links to third-party web sites, and some of the content appearing to be on this Site is in fact supplied by third parties.  IT Finance has no responsibility for these third-party web sites.