ACCEPTANCE OF TERMS BY AND THROUGH USE
By using Steven E. Burns’ and www.burnsfinancialservices.com  site, www.madisoncountyheritage.com (the "site"), you agree to be bound by all terms, conditions and notices contained or referenced herein (the "Terms of Use").  We may change the Terms of Use at any time by posting revisions to the site, and your continued use of the Site
PERMITTED USE
You agree that you are only authorized to visit, to view and to retain a copy of pages of the site for your own personal use, and that you shall not duplicate, download, publish, modify or otherwise distribute the material on the site for any purpose other than for personal use, unless otherwise specifically authorized in writing by said owner
allowing other specified uses.  You also agree not to deep-link to the Site for any purpose, unless specifically authorized in writing by said owner allowing these specified uses.  The content and software on this Site is the property of Steven E. Burns and www.burnsfinancialservices.com and the various contributors who retain ownership rights to
their submissions in conjunction with Steven E. Burns and www.burnsfinancialservices.com.  U.S. and international copyright laws protect all content.

LIMITED LICENSE
You are granted a limited, non-exclusive, revocable and non-transferable license to utilize and access the Site pursuant to the requirements and restrictions of these Terms of Use.  Steven E. Burns and www.burnsfinancialservices.com  may change, suspend, or discontinue any aspect of the Site at any time. Steven E. Burns’ and www.
burnsfinancialservices.com may also, without notice or liability, impose limits on certain features and services or restrict your access to all or portions of the Site. You shall have no rights to the proprietary software and related documentation, if any, provided to you in order to access the site. Except as provided in these Terms of Use, you shall
have no right to directly or indirectly, own, use, loan, sell, rent, lease, license, sublicense, assign, copy, translate, modify, adapt, improve, or create any new or derivative works from, or display, distribute, perform, or in any way exploit the site, or any of its contents (including software) in whole or in part.

VIOLATION OF THE TERMS OF USE
You understand and agree that at the sole discretion of  Steven E. Burns and www.burnsfinancialservices.com and without prior notice, Steven E. Burns and www.burnsfinancialservices.com may terminate your access to the site, or exercise any other remedy available and remove any unauthorized user information.  If Steven E. Burns and
www.burnsfinancialservices.com believes that the information you provide has violated or is inconsistent with these Terms of Use, or violates the rights of said owners, or any third party, or violates the law, you agree that monetary damages may not provide a sufficient remedy to said owners for violations of said Terms of Use and you consent to
injunctive or other equitable relief for such violations.  Steven E. Burns and www.burnsfinancialservices.com may release user information about you if required by law or subpoena.

COPYRIGHT POLICY
We may terminate the privileges of any user who uses the site to unlawfully transmit copyrighted material without a license, express consent, valid defense or fair use exemption to do so. If you submit information or content to the site, you warrant that the information or content does not infringe the copyrights or other rights of third parties.

REPRESENTATIONS BY YOU
By the act of visiting the Site, you represent, warrant and covenant that

(a) you are at least 18 years old;
(b) that you are a resident of the United States
(c) that all materials of any kind submitted by you through the Site or for inclusion on the site will not plagiarize, violate or infringe upon the rights of any third party including trade secret, copyright, trademark, trade dress, privacy, patent, or other personal or proprietary rights.

LICENSE GRANTED BY YOU
By providing content or information to us, including by submitting or uploading content or materials for use on the site, you represent and warrant that you are the owner of all rights to such content or materials and you have expressly granted us an irrevocable world-wide right in all languages and in perpetuity to use and exploit all or any part
of the content and materials provided by you. We may publish and distribute any such submitted content or materials at our sole discretion by any method now existing or later developed.  You agree that you shall waive all claims and have no recourse against us for any alleged or actual infringement or misappropriation of any proprietary
rights in any communication, content or material submitted to us.  Any communication or materials you send to us will be treated as non-confidential and non-proprietary and may be disseminated or used by us for any purpose, including, but not limited to, developing, creating, manufacturing or marketing products or services.

ADVERTISING
The Site may contain advertisements and/or sponsorships.  The advertisers and/or sponsors that provide these advertisements and sponsorships are solely responsible for insuring that the materials submitted for inclusion on the Site are accurate and comply with all applicable laws.  Steven E. Burns and www.burnsfinancialservices.com are not
responsible for the acts or omissions of any advertiser or sponsor.

NO COMMERCIAL USE
This site may not be used by you for any commercial purposes such as to conduct sales of merchandise or services of any kind.  You must obtain permission from Steven E. Burns and www.burnsfinancialservices.com by prior written consent to make commercial offers of any kind on the site, whether by advertising, solicitations, links, or any
other form of communication. Steven E. Burns and www.burnsfinancialservices.com will investigate and take appropriate legal action against anyone who violates this provision, including and without limitation, removing the offending communication from the site and barring such violators from use of the Site.  Advertisers on this site by
purchasing or otherwise obtaining permission may use the contents of this site for publicity, sales, and other commercial uses as specified by this Terms of USE.

LINKS AND SEARCH RESULTS
The Site contains links to sites operated by third parties throughout the World Wide Web. Steven E. Burns and www.burnsfinancialservices.com has no control over these sites or the content within them. Steven E. Burns and www.burnsfinancialservices.com does not guarantee, represent or warrant that the content contained in any third party
sites is accurate, legal and/or inoffensive.  Steven E. Burns and www.burnsfinancialservices.com does not endorse the content of any third party site, nor does it make any representation or warranty about these sites, including that they will not contain viruses or otherwise impact your computer.  By using the site to search for or link to another
site, you agree and understand that you may not make any claim against Steven E. Burns and www.burnsfinancialservices.com for any damages or losses, whatsoever, resulting from your use of the site to obtain search results or to link to another site.  If you have a problem with a link from the Site, you may notify us in writing.

INTELLECTUAL PROPERTY
You acknowledge that all content and materials available on this site are protected by national and international copyright laws, trademarks, service marks, patents, patent registration rights, trade secrets, know-how or other proprietary rights and laws and are owned by Steven E. Burns and www.burnsfinancialservices.com or our licensors.  
Except where otherwise noted, you may download, print or view individual pages for noncommercial use, provided you do not delete or change any of the information, including copyright or trademark notices. You may only use the Site or its contents as expressly permitted in this Terms of Use and for no other purpose Steven E. Burns and
www.burnsfinancialservices.com our licensors or associates retain exclusive ownership of all data, material and other information regarding your use of the site.  Except as we may expressly authorize, you agree not to sell, license, rent, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit or create
derivative works from the content or materials on the Site.  Systematic retrieval of data or other content from the site to create or compile, directly or indirectly, a collection, compilation, database or directory without our written permission is prohibited.  Unless otherwise indicated, all logos, names, package designs and marks on the Site are
trademarks or service marks or used under license by Steven E. Burns and www.burnsfinancialservices.com.  The use or misuse of any of these materials is strictly prohibited.  

BLOGS AND COMMUNITY AREAS
Readers and Site users are solely responsible for the content of the text, photographs, music or other content they post, upload or submit to our blogs and community areas.  All such content is subject to the site’s terms and conditions of use and do not necessarily reflect the opinion or approval of Steven E. Burns and www.
burnsfinancialservices.com.  Steven E. Burns and www.burnsfinancialservices.com may add, change, discontinue, remove, edit or suspend such content at any time and for any reason without notice to you, without your permission, and without liability.  If you are notifying Steven E. Burns and www.burnsfinancialservices.com of alleged
copyright infringement, please be sure to provide all of the following information to the designated agent for notification in the form required by 17 U.S.C. Section 512:A physical or electronic signature of a person authorized to act on behalf of the owner of the an exclusive right that is allegedly infringed;
A description of the copyrighted work that you allege is being infringed, or, if multiple copyrighted covered by a single notification, a representative list of such works;
A description of the allegedly infringing material and information sufficient to permit us to locate the material; Information reasonably sufficient to permit us to contact you, such as an address, telephone number, and/or an electronic mail address; A statement by you that you have a good faith belief that use of the material in the manner
complained of is not authorized by the copyright owner, or its agent, or the law; and A statement by you that the information in the notification is accurate and that, under the penalty of perjury, you have the authority to enforce the copyrights that are claimed to be infringed.
Designated Agent for Notification of Claimed Copyright Infringement
NAME: Steven E. Burns and www.burnsfinancialservices.com, 170 Mamie Hamilton Rd. Bostic, NC 28018 828-287-9798

DISCLAIMER OF WARRANTIES
YOU EXPRESSLY AGREE THAT ALL MATERIALS, INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE (THE "WEBSITE CONTENT") ARE PROVIDED "AS IS" AND "AS AVAILABLE" FOR YOUR USE. THE WEBSITE CONTENT IS PROVIDED WITHOUT WARRANTIES OF ANY
KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE, NON-INFRINGEMENT OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE OR OTHERWISE, OTHER THAN THOSE WARRANTIES WHICH ARE INCAPABLE OF EXCLUSION, RESTRICTION
OR MODIFICATION UNDER APPLICABLE LAW. NEITHER Steven E. Burns and www.burnsfinancialservices.com, NOR OUR SUBSIDIARIES OR LICENSORS, MAKE ANY WARRANTY THAT THE WEBSITE CONTENT OF THE SITE IS ACCURATE, RELIABLE OR CORRECT; THAT THE SITE WILL BE AVAILABLE AT ANY PARTICULAR TIME
OR LOCATION; THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED; THAT THE WEBSITE CONTENT IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR THAT YOU WILL ACHIEVE SUCCESSFUL RESULTS FROM FOLLOWING ANY INSTRUCTIONS, DIRECTIONS OR RECOMMENDATIONS ON THE SITE.

LIMITATION OF LIABILITY
UNDER NO CIRCUMSTANCES SHALL Steven E. Burns and www.burnsfinancialservices.com, OUR SUBSIDIARIES OR OUR LICENSORS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES THAT RESULT FROM THE USE OF, OR INABILITY TO USE, THE SITE OR FROM
INFORMATION PROVIDED ON THE SITE. THIS LIMITATION APPLIES WHETHER THE ALLEGED LIABILITY IS BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR ANY OTHER BASIS, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE BECAUSE SOME JURISDICTIONS DO NOT ALLOW
THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES.  OUR LIABILITY IN SUCH JURISDICTIONS SHALL BE LIMITED TO THE EXTENT PERMITTED BY LAW.

INDEMNIFICATION
You agree to defend, indemnify, and hold Steven E. Burns and www.burnsfinancialservices.com and our subsidiary and other affiliated companies, and their employees, contractors, officers and directors harmless from all liabilities, claims and expenses, including attorney's fees, that arise from your use or misuse of the site or the content
therein. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate with us in asserting any available defenses.

INTERNATIONAL USE
By choosing to access the Site from any location other than the United States, you accept full responsibility for compliance with all local laws that are applicable.  Steven E. Burns and www.burnsfinancialservices.com make no representation that materials on the site are appropriate or available for use in locations outside the United States,
and accessing them from territories where their contents are illegal is prohibited. You may not use, export or re-export any materials from this site in violation of any applicable laws or regulations, including, but not limited to, any United States export laws and regulations.

CHOICE OF LAW
This Agreement shall, for all domestic and international purposes, be governed, interpreted, construed and enforced solely and exclusively in accordance with the laws of the State of North Carolina, U.S.A., without regard to conflicts of law provisions. You expressly agree that the exclusive jurisdiction for any claim or action arising out of or
relating to these Terms of Use or your use of the Site shall be filed only in the state or federal courts located in the State of North Carolina, and you further agree and submit to the exercise of personal jurisdiction of such courts for the purpose of litigating any such claim or action.

INTEGRATION AND SEVERABILITY
This Terms of Use constitutes the entire agreement between Steven E. Burns and www.burnsfinancialservices.com and you with respect to the Site and supersedes all prior or contemporaneous communications and proposals between us with respect to the Site. If any provision of this Terms of Use agreement is determined to be invalid or
unenforceable, all other provisions shall remain in full force and effect.

HEADINGS
Section titles in the Term of Use are for convenience and do not define, limit, or extend any provision of the Terms of Use.


November/December 2013
BURNSFINANCIAL@BELLSOUTH.NET

PHONE:
828-287-9789 (home) OR TEXT- 828-980-3785 (cell)


170 Mamie Hamilton Rd.
Bostic, NC 28018