The following terms and conditions apply to the use of the Kobaly.com Site(" Web site"). Please be sure you carefully read and understand the condition of this Agreement. Kobaly.com is willing to provide you access to the Site on the condition that you accept all of the terms and conditions contained in this agreement. By accessing any page of the Kobaly.com website, you are bound by the terms and conditions of this agreement. IF YOU DO NOT AGREE TO ALL OF THESE TERMS AND CONDITIONS, DO NOT ACCESS THE SITE OR ANY PRODUCTS OR SERVICES PROVIDED ON OR THROUGH THIS SITE.

License/copyright

This Site("Web site") and all information it contains are the property of Kobaly.com . Except as otherwise stated in an applicable Supplemental Agreement, Kobaly.com grants you personal permission to electronically copy and print portions of this Site to hardcopy for the sole purpose of research and making a purchasing decision. This permission is revocable at any time by Kobaly.com if it finds that any of the terms and conditions of this Agreement are not adhered to in full. This non-commercial, personal permission is only provided that: a. you do not ( and allow any third party to ) modify or create a derivative work of any such content; and b. you include with and display on each copy of such content the associated copyright notice.

No other use is permitted. In addition to the previous, but not limiting, you may not:
a. include such content of this Site in or with any product that you create or distribute;
b. duplicate, reproduce, sell, copy, rent, resell, or exploit for any commercial purposes this Site, its contents, use of this Site, or access to this Site;
c. establish a hyperlink, to any page or location on the Site, a frame containing any portion of the Site, on any other Website or text document with hyperlink capabilities; or
d. copy such contents onto your or any other Website;
without the prior expressed written consent of Kobaly.com.

Trademarks

Kobaly.com and the associated logos are the property of Kobaly.com . All other products names and company names or logos cited herein are the property of their respective owners.

Disclaimer

Except as expressly stated otherwise herein or in an applicable Supplemental Agreement; Kobaly.com will use reasonable efforts to include in this Site accurate, and up-to-date information. All products and services offered by this Site are provided "AS IS', and "AS AVAILABLE" with no warranties whatsoever. Kobaly.com disclaims any warranties for the timeliness, reliability, security, and performance of services offered on this Site.
Kobaly.com disclaims any and all responsibility or liability for the information, material, availability, operability, quality, accuracy, completeness, legality, or reliability as pertaining to this Site. This Site may contain typographical errors.
Customers of Kobaly.com are solely responsible for and assume all liability in connection with services provided herein.

Organizer

All of the above shall pertain to the organizer provided in hard copy form. In addition under penalty of perjury you and all other parties included on the organizer under either Taxpayer, Spouse, and or Dependent, state that the information provided is genuine and accurate.