All materials, designs and layouts contained in this site, are the copyrighted property of Wiley & Associates L.L.C..  All titles, characters, names and graphics are trademarks of its copyright owner. To reproduce, republish, upload, post, transmit, distribute or publicly display material from this website you will need written permission from Wiley & Associates L.L.C.. Users may view and download material from this site only for personal, non-commercial home use.   Users agree not to use the site for sale, trade or other commercial purposes.

THE MATERIALS AND INFORMATION IN THIS SITE ARE PROVIDED "AS IS" AND WITHOUT WARRANTIES OF ANY KIND EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, Wiley & Associates L.L.C. DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. Wiley & Associates L.L.C. DOES NOT WARRANT OR REPRESENT THAT THE INFORMATION IS ACCURATE OR RELIABLE OR THAT THE SITE WILL BE FREE OF ERRORS OR VIRUSES. 

Under no circumstances, including, but not limited to, negligence, will Wiley & Associates L.L.C. be liable for special or consequential damages that result from the use or inability to use the materials in this site. In no event shall Wiley & Associates L.L.C.’ liability to a user for any loss, damage or claim exceed the amount paid by the user for accessing this site. Under no circumstances shall Wiley & Associates L.L.C. be liable for the injury, damage or expense arising from any materials contained in any site linked to or from this site. 

This agreement is effective until terminated by either party. You may terminate this agreement at any time by discontinuing your use of this site and destroying all materials obtained from it. 

This agreement will be governed by Arizona law without effect to any principles of conflicts of laws.