Terms & Conditions

I. Introduction

Bankruptcyprofessor starts every new User relationship with an agreement. The terms and conditions of this agreement state that bankruptcyprofessor will provide the user with attorney options for free attorney case reviews.

If you accept this agreement, welcome to our system!

If you have any questions about any part of the contract, please contact us about it! We will be glad to explain why these contract provisions are important for our system. We would like to work with you on making changes if you can show us a better approach.

II. Relationship Between Bankruptcyprofessor And User: Providing Only a Venue

Bankruptcyprofessor is an Internet forum that facilitates communication between potential users of legal services and legal professionals.   Bankruptcyprofessor acts as a venue for providers and purchasers of legal services to exchange information with the goal of eventually forming a professional relationship. Bankruptcyprofessor does not guarantee that Users will successfully find an attorney through this system. Bankruptcyprofessor takes no position and offers no opinion on when or if an attorney-client relationship has been formed.

In order to provide an optimal forum for attorneys and clients, Bankruptcyprofessor does not involve itself in the agreements between attorneys and clients or the actual representation of clients. Therefore, we cannot ensure the completion of the agreement or the integrity of either party. The User, and not Bankruptcyprofessor, is solely responsible for assessing the integrity, honesty, and trustworthiness of all persons with whom the User communicates within this website.

· Disclaimer of attorney-client relationship

Any form of use of this website by a subscribing attorney or potential client is not intended to and will not create an attorney-client relationship between any person or entity and Bankruptcyprofessor. Any electronic communication sent to Bankruptcyprofessor will not create an attorney-client relationship between the User and Bankruptcyprofessor, such being expressly denied.

· Bankruptcyprofessor does not screen or vouch for any of its Users

Providing a service where potential clients and attorneys can meet does not imply an endorsement of any subscribing attorney. Bankruptcyprofessor makes no representation concerning an attorney's qualifications (except that the attorney was licensed to practice law in at least one state at the time of registration).  

· Bankruptcyprofessor Does not provide legal advice

Bankruptcyprofessor is not a law firm. Bankruptcyprofessor offers no legal advice, recommendations, mediation, or counseling under any circumstance. Bankruptcyprofessor cautions the User to not accept, as legal advice, any information received from any source found on this website

· Disclaimer of representations by Users

Bankruptcyprofessor makes no representation, guarantee, or warranty (express or implied) as to the legal ability, competence, or quality of representation which may be provided by any of the attorneys or law firms that sponsor or are listed through this Web site or any affiliate thereof.

THIS WEBSITE IS AN ADVERTISEMENT OF LEGAL SERVICES, and all of the materials and information on the Site are provided for informational purposes only, and may not reflect current legal developments or variances in the law of different jurisdictions. Nothing on the Site should be construed as legal advice or used as a substitute for legal advice. Bankruptcyprofessor does not provide legal advice. The materials and information on the Site do not necessarily reflect the opinions of the attorneys of the Law Firms, their partners, clients or affiliates. The information in the Site is not guaranteed to be correct, complete or up to date. The Site is not intended to, and does not, constitute or create an attorney-client relationship between you and the attorneys of any of the Law Firms, their partners, employees, agents or affiliates, or any other attorney associated with the Site. Additionally, the mere receipt of an e-mail from or submitted request on the Site does not create an attorney-client relationship.

YOU SHOULD NOT ACT OR RELY ON THE BASIS OF ANY INFORMATION ON THE SITE WITHOUT SEEKING AND RETAINING THE ADVICE OF AN ATTORNEY.

III. User Guidelines

Users may not engage in any of the following activities on our system:

· do or say anything to injure or harm others

· display material containing nudity or pornographic material of any kind

· provide material that is grossly offensive to the online community, including blatant expressions of bigotry, prejudice, racism, hatred, or profanity

· promote or provide instructional information about illegal activities, or promoting physical harm or injury against any group or individual

· defame any person or group

· display material that exploits children under 18 years of age

· violate the rights of another, including but not limited to the intellectual property rights of another. This includes using the Service for acts of copyright, trademark, patent, trade secret, or other intellectual property infringement, including but not limited to offering pirated computer programs or links to such programs, information used to circumvent manufacturer-installed copy-protect devices, including serial or registration numbers for software programs, or any type of cracker utilities (this also includes files which are solely intended for game emulation)

· violate Internet standards

· use the Service for displaying harassing, abusive, threatening, harmful, vulgar, obscene, or tortuous material or invading other's privacy

· interfere with or disrupting the Service or servers or networks connected to the Service by posting advertisements or links to competing services, transmitting "junk mail", "spam", "chain letters", or unsolicited mass distribution of e-mail

· encourage any illegal activity, including anything to do with illegal drugs, gambling, pornography, prostitution, child pornography, robbery, spreading computer viruses, cracking into private computer systems, software infringement, trafficking in credit card codes, or other crimes

· compromise the security of the Service Bankruptcyprofessor provides. Do not try to gain access to system areas private to Bankruptcyprofessor, or to other Users.

IV. Disclaimer of Information Obtained on the Service

Bankruptcyprofessor is solely responsible for the content of materials it posts on its Web sites.  Bankruptcyprofessor is not responsible for opinions and views expressed by Users or other individuals on these same websites.  Data submitted by other Users (both attorneys and lay persons) is not verified or reviewed in any way before it appears on the Bankruptcyprofessor Web site. Bankruptcyprofessor does not warrant the validity or accuracy of any such information. Please use caution and common sense when using this site.

Bankruptcyprofessor does not continuously review the standing of any attorney subscriber with any regulatory authority. When considering employing any attorney or law firm, Users should check the attorney's or law firm's standing with the applicable regulatory body.

Bankruptcyprofessor makes every effort to verify that attorneys who subscribe to the Service are licensed and in good standing in at least one state within the United States at the time of registration. However, Bankruptcyprofessor is unable to track, verify, or monitor the standing of each attorney using the Service. Therefore, Bankruptcyprofessor makes no representation regarding the status, standing or ability of any attorney or law firm that sponsors Bankruptcyprofessor.com, or is listed through this Web site.

Users are urged to make their own independent investigation and evaluation of any attorney or law firm being considered. The determination of the need for legal services and the choice of an attorney are extremely important decisions and should not be based solely on advertisements, claims of expertise, or on the cost of rendering the requested legal services.

Bankruptcyprofessor is not responsible for, and in no way endorses, any description or indication of specialization or limitation of practice by an attorney or law firm. Please be aware that no agency or board may have certified such attorney as a specialist or expert in any indicated field of law practice. In addition, an attorney claiming specialization is not necessarily any more expert or competent than other attorneys. It is up to the User to question the attorneys on the factual basis of any statement they make, ask for the names of the certifying agencies, and verify all information.

Users are encouraged to use caution when reviewing any information submitted by attorneys and other parties. Although Bankruptcyprofessor strongly encourages attorneys to comply with all regulations governing attorney conduct, it is impossible for Bankruptcyprofessor to monitor attorneys' integrity or compliance with applicable rules of conduct.

Bankruptcyprofessor in no way endorses the content or legality of any offers, statements, or promises made by attorneys or any other parties, on or off this site.

V. Indemnification

The User agrees that Bankruptcyprofessor is not responsible for any harm that this website may cause. The User agrees to indemnify, defend, and hold Bankruptcyprofessor harmless from and against any and all liability and costs incurred in connection with any loss, liability, claim, demand, damage, and expenses arising from or in connection with the user's   use of this website. The User agrees that this defense and indemnity shall also apply to any breach by the User of the Agreement or the foregoing representations, warranties and covenants. The User further agrees that this defense and indemnity shall include without limitation attorney fees and costs. The User also agrees that this defense and indemnity shall apply to Bankruptcyprofessor, its affiliates, directors, officers and employees. Bankruptcyprofessor reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by the User and the User shall not in any event settle any matter without the written consent of Bankruptcyprofessor.

VI. Communications and Other Data

Bankruptcyprofessor is not responsible for any loss of data resulting from accidental or deliberate deletion, network or system outages, file corruption, or any other reasons.

VII. Other Bankruptcyprofessor Rights

Bankruptcyprofessor also reserves the following rights:

· to release current or past User information, pursuant to the terms of the Privacy Policy, in the event Bankruptcyprofessor believes that accounts are in violation of the terms of service or page content guidelines, used to commit unlawful acts, if the information is subpoenaed, and/or if Bankruptcyprofessor deems it necessary and/or appropriate.

· to deny service to offenders of these guidelines or the Agreement

· to terminate or deny service to anyone for any reason or no reason

VIII. Modifications to Terms of Service

Bankruptcyprofessor may change the Agreement at any time. If we change this agreement, we will post those changes on this page so that you are aware of the new terms and conditions. You understand that the only notice for such changes shall be posting them to this page.  You acknowledge and agree that this shall constitute fair and proper notice to you. Continued use of this website will indicate acceptance of the new terms and conditions.

IX. Modifications to Service

Bankruptcyprofessor reserves the right to modify or discontinue, temporarily or permanently, the Service with or without notice to the User. The User agrees that Bankruptcyprofessor shall not be liable to the User or any third party for any modification or discontinuance of the Service.

X. Bankruptcyprofessor's Proprietary Rights

Bankruptcyprofessor owns certain things on this system, including the 'look and feel' of the system, the name of the system, and the collective work copyright in sequences of public messages on the system. Users cannot reproduce any message thread from the system, either electronically or in print, without Bankruptcyprofessor's permission and the permission of all participants in the thread. This is not a complete list - other things on the system are also Bankruptcyprofessor property. Contact Bankruptcyprofessor before copying anything from the system with plans of reproducing it or distributing it.

The User acknowledges and agrees that content, including but not limited to text, software, music, sound, photographs, graphics, video, page layout and design, or other material contained in the Service or information presented through the Service is protected by copyrights, trademarks, service marks, patents, or other proprietary rights and laws. The User acknowledges and agrees that the User is permitted to use this material and information only as expressly authorized by Bankruptcyprofessor or its Sponsors, and may not copy, reproduce, transmit, distribute, or create derivative works of such content or information without express authorization. The User acknowledges and agrees that Bankruptcyprofessor can display images and text throughout the Service.

XI. Disclaimer of Warranties and Limitation of Liability

A great danger for Bankruptcyprofessor, and for all operators of online systems, is that we might be held accountable for the wrongful actions of our Users. If one User libels another User, the injured User might blame us, even though the first User was really at fault. If a User uploads a program with a computer virus, and the other Users' computers are damaged, we might be blamed even though a User left the virus on our System. If a User transmits illegal or improper information to another User, we might be blamed even though we did nothing more than unknowingly carry the message from one User to another. Accordingly, we need all Users to accept responsibility for their own acts, and to accept that an act by another User that damages them must not be blamed on us, but only on the other User.

Although it is Bankruptcy Professor's goal to provide Users with a reliable, quality system, we may make mistakes or experience system failure from time to time. Such problems are inevitable in operating a system of this size. We would not be able to make this system available to Users if we had to accept blame or financial liability for any usability problems, system failures or errors, or mistakes or damages of any kind. In order to continue offering and improving our service, Bankruptcyprofessor must deny any warranties on this service and insure that our liability for any problems connected with the use of our system is strictly limited.

These needs are accomplished by the following disclaimers:

XII. Disclaimer of Warranties

THE USER EXPRESSLY AGREES THAT USE OF THE SERVICE IS AT THE USER'S SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. BANKRUPTCYPROFESSOR EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. BANKRUPTCYPROFESSOR MAKES NO WARRANTY THAT THE SERVICE WILL MEET USER'S REQUIREMENTS, THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; NOR DOES BANKRUPTCYPROFESSOR MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICE OR AS TO THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE SERVICE OR THAT DEFECTS IN THE SOFTWARE WILL BE CORRECTED. BANKRUPTCYPROFESSOR MAKES NO WARRANTY REGARDING ANY GOODS OR SERVICES PURCHASED OR INFORMATION OBTAINED THROUGH THE SERVICE OR ANY TRANSACTIONS ENTERED INTO THROUGH THE SERVICE.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY THE USER FROM BANKRUPTCYPROFESSOR SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED HEREIN.

XIII. Limitation of Liability

THE USER AGREES THAT BANKRUPTCYPROFESSOR SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES RESULTING FROM THE USE OR THE INABILITY TO USE THE SERVICE OR FOR COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES OR RESULTING FROM ANY GOODS OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICE OR RESULTING FROM UNAUTHORIZED ACCESS TO OR ALTERATION OF USER'S TRANSMISSIONS OR DATA, INCLUDING, BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, USE, DATA OR OTHER INTANGIBLES, EVEN IF BANKRUPTCYPROFESSOR HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE USER FURTHER AGREES THAT BANKRUPTCYPROFESSOR SHALL NOT BE LIABLE FOR ANY DAMAGES ARISING FROM INTERRUPTION, SUSPENSION OR TERMINATION OF SERVICE, INCLUDING, BUT NOT LIMITED TO, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, WHETHER SUCH INTERRUPTION, SUSPENSION OR TERMINATION WAS JUSTIFIED OR NOT, NEGLIGENT OR INTENTIONAL, INADVERTENT OR ADVERTENT.  IT IS THE RESPONSIBILITY OF THE USER TO BECOME COMFORTABLE WITH THEIR ATTORNEY.  WE CANNOT ACCEPT LIABILITY FOR THE ACTIONS OF THE ATTORNEY OR THE RESULTS OF HIRING OR NOT HIRING AN ATTORNEY.

XIV. Arbitration

Any controversy or claim arising out of or relating to this Agreement or Bankruptcyprofessor services shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be conducted in the County of Cook, Illinois, and judgment on the arbitration award may be entered by any court having jurisdiction thereof.  

XV. General

This agreement, the Agreement, incorporates by reference our Privacy Policy and any notice by Bankruptcyprofessor contained in any of the Web site pages and constitutes the entire understanding between the User and Bankruptcyprofessor regarding the User's relationship to our Service.

Users can reach our Service from all fifty states and around the world. Each of these places has a different set of laws. Since Bankruptcyprofessor cannot keep track of all these laws and their requirements, the Agreement and the relationship between the User and Bankruptcyprofessor shall be governed by the laws of the State of Illinois without regard to its conflict of law provisions.

If Bankruptcyprofessor fails to exercise or enforce any right or provision of this Agreement, that failure shall not be used to prove that Bankruptcyprofessor has waived the right or provision. If any provision of this Agreement is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and that the other provisions of the Agreement remain in full force and effect. The User agrees that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or the Agreement must be filed within one (1) year after such claim or cause of action arose or be forever barred. The section titles in the Agreement are for convenience only and have no legal or contractual effect.

XVI. Disclosures Regarding Attorney Advertising

THIS SITE MAY CONTAIN ADVERTISING MATERIAL OR LAWYER ADVERTISEMENTS
Some jurisdictions may consider the Site to be a form of advertising for legal services and as such may require specific disclosures. Please read the following carefully:

THIS IS AN ADVERTISEMENT. The determination of the need for legal services and the choice of a lawyer are extremely important decisions and should not be based solely upon advertisements. Anyone considering a lawyer should independently investigate the lawyer's credentials and ability, and not rely upon advertisements or self-proclaimed expertise. Hiring a lawyer is an important process that should not be based solely upon advertisements.

Neither the Bankruptcyprofessor nor any of the Law Firms operate as a lawyer-advertising cooperative, lawyer referral service, prepaid legal insurance provider, or similar organization the business or activities of which include the referral of customers, members, or beneficiaries to lawyers for the performance of fee-generating legal services or the payment for or provision of legal services to the customers, members, or beneficiaries in matters for which they do not bear ultimate responsibility.

FREE BACKGROUND INFORMATION AVAILABLE UPON REQUEST
Before you decide to hire any of the Law Firms, ask them to send you free written information about their qualifications and experience. Additional information about the lawyers or firms may also be obtained by contacting the Bar Association in the State in which such lawyers or law firms are licensed.

No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers. Memberships and offices in legal fraternities and legal societies, technical and professional licenses, and memberships in scientific, technical and professional associations and societies of law or fields of practice do not mean that a lawyer is a specialist, expert, authority or is certified in a particular field of law, nor do such memberships or licenses mean that such a lawyer is more expert or competent than any other lawyer.

A description or indication of limitation of practice does not mean that any agency or board has certified such lawyer as a specialist, expert or authority in an indicated field of law practice, nor does it mean that such lawyer is more expert or competent than any other lawyer. We urge all potential clients to make their own independent investigation and evaluation of any lawyer being considered.
Except where otherwise indicated, neither Bankruptcy Professor nor any of the Law Firms are certified by the Florida Bar Board of Legal Specialization and Education, the Texas Board of Legal Specialization ("Not Certified by the Texas Board of Legal Specialization"), or any other entity or body. The fact that certain attorneys or firms concentrate their practices in the defense of bankruptcy cases (or any other field) is not meant to imply that they have gained any specific type of certification in these areas. Indeed, many states including Illinois do not recognize certifications of specialties in the practice of law and explicitly state that any such certificate, award or recognition is not a requirement to practice law in those states.

XVII.   ADDITIONAL STATE SPECIFIC DISCLOSURES:

Bankruptcyprofessor is neither staffed by attorneys nor provides legal advice.  While this is the case, we feel it would be helpful to the user to understand state specific matters regarding attorneys.    For your information we provide the following State Bar Association information to help guide you in the selection of an attorney. 

Alabama
No representation is made that the quality of the legal services to be performed is greater than the quality of legal services performed by other lawyers.

Alaska
The Alaska Bar Association does not accredit or endorse certifying organizations.

Florida
The hiring of a lawyer is an important decision that should not be based solely upon advertisements.    Before you decide to hire any of the Law Firms, ask them to send you free written information about their qualifications and experience.

Hawaii
The supreme Court of Hawaii grants Hawaii certification only to lawyers in good standing who have successfully completed a specialty program accredited by the American Bar Association.

Illinois
The Supreme Court of Illinois does not recognize certifications of specialties in the practice of law and that the certificate, award or recognition is not a requirement to practice law in Illinois.

Iowa
The determination of the need for legal services and the choice of a lawyer are extremely important decisions and should not be based solely upon advertisements or self-proclaimed expertise. This disclosure is required by rule of the Supreme Court of Iowa.

Memberships and offices in legal fraternities and legal societies, technical and professional licenses, and memberships in scientific, technical and professional associations and societies of law or field of practice do not mean that a lawyer is a specialist or expert in a field of law, nor do they mean that such a lawyer is necessarily any more expert or competent than any other lawyer.

A description or indication of limitation of practice does not mean that any agency or board has certified such lawyer as a specialist or expert in an indicated field of law practice, nor does it mean that such lawyer is necessarily any more expert or competent than any other lawyer.

All potential clients are urged to make their own independent investigation and evaluation of any lawyer being considered. This notice is required by rule of the Supreme Court of Iowa.

Massachusetts
If a Massachusetts lawyer holds himself or herself out as "certified" in a particular service, field or area of law by a non-governmental body, the certifying organization is a private organization, whose standards for certification are not regulated by the Commonwealth of Massachusetts.

Mississippi
Free Background information is available upon request to a Mississippi attorney.
There is no procedure in Mississippi for approving certifying or designating organizations and authorities.

Missouri
Advertising Material: Commercial solicitations are permitted by the Missouri rules of professional conduct but are neither submitted to nor approved by the Missouri bar or the Supreme court of Missouri. Neither the Supreme Court of Missouri nor the Missouri Bar reviews or approves certifying organizations or specialist designations.

Nevada
Neither the state bar of Nevada nor any agency of the State Bar has certified any lawyer identified through this website as a specialist or as an expert. Anyone considering a lawyer should independently investigate the lawyer's credentials and ability.

New Jersey
Any certification as a specialist, or any certification in a field of practice, that does not state that such certification has been granted by the Supreme Court of New Jersey or by an organization that has been approved by the American Bar Association, indicates that the certifying organization has not been approved, or has been denied approval, by the Supreme Court of New Jersey and the American Bar Association.

New Mexico
Lawyer Advertisement
Any certification by an organization other than the New Mexico Board of Legal Specialization does not constitute recognition by the New Mexico Board of Legal Specialization, unless the lawyer is also recognized by the board as a specialist in that area of law.

Rhode Island
The Rhode Island Supreme Court licenses all lawyers in the general practice of law. The court does not license or certify any lawyer as an expert or specialist in any field of practice.

Tennessee
Certifications of Specialization are available to Tennessee lawyers in all areas of practice relating to or included in the areas of Civil Trial, Criminal Trial, Business Bankruptcy, Consumer Bankruptcy, Creditor's Rights, Medical Malpractice, Legal Malpractice, Accounting Malpractice, Elder Law, Estate Planning and Family Law. Listing of related or included practice areas herein does not constitute or imply a representation of certification of specialization.

Texas
Unless otherwise indicated, Not Certified by the Texas Board of Legal Specialization.

Washington
The Supreme Court of Washington does not recognize certification of specialties in the practice of law and that the certificate, award, or recognition is not a requirement to practice law in the State of Washington.

Wyoming
The Wyoming State Bar does not certify any lawyer as a specialist or expert. Anyone considering a lawyer should independently investigate the lawyer's credentials and ability, and not rely upon advertisements or self-proclaimed expertise.

The material on this site is not intended to, and does not, include any advertisements for legal services that contain dramatizations, testimonials or endorsements. This site is intended to provide useful, factual information presented in a non-sensational, objective and understandable manner. The images and pictures on this site are not meant to represent or depict actual persons or events, but rather are merely provided for illustrative purposes only.
This Site is not intended for the purpose of advertising legal services to be performed in any state solely by the Law Firms, unless they are specifically licensed to practice in that respective State.

To the extent that this Site does not comply with the laws or  regulations of any jurisdiction in which it may be received, Law Firms practicing outside such jurisdiction do not wish to, and will not knowingly, accept legal representation based on or resulting from the use of the Site from a person located in that jurisdiction. None of the Law Firms wish to, or knowingly will, accept legal representation based on or resulting from the use of the Site from a person located outside the United States.

XVIII. Exclusions And Limitations

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OF SECTIONS XII AND XIII MAY NOT APPLY TO YOU.

XIX . Entire Agreement

This agreement and the other policies incorporated herein constitute the entire agreement between you and us and governs your use of the Site, superseding any prior agreements between you and us. You also may be subject to additional terms and conditions that may apply when you use or purchase certain other services, affiliate services, third-party content or third-party software.

XX . Waiver and Severability of Terms

Our failure to exercise or enforce any right or provision of this agreement shall not constitute a waiver of such right or provision. If any provision of the agreement is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the agreement shall remain in full force and effect.

XXI. Attorney Ethics Notice

If you are an attorney, participating in any aspect of this Site, you acknowledge that rules of professional conduct apply to all aspects of your participation and that you will abide by such rules. The rules include, but are not limited to, the rules relating to advertising, solicitation of clients, unauthorized practice of law, and misrepresentations of fact. We disclaim all responsibility for your compliance with these rules.

The section titles in this agreement are for convenience only and have no legal or contractual effect.

XXII. Additional Provisions specific to YourFinanciaUniverity.

Introduction

Please remember that until you accept the user agreement you will not receive full access to our system.

Modifications to Service

The User acknowledges and agrees that any termination of Service under any provision of this Agreement may be effected without prior notice, and acknowledges and agrees that Bankruptcyprofessor may immediately delete data and files in the User's account and bar any further access to such files or the Service.