Conditions of Use
By using this website, you acknowledge your assent to the following conditions of use without limitation or qualification. Please read these conditions carefully before using this website. These terms and conditions may be revised at any time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current terms and conditions to which you are bound.

Links to Other Internet Sites
At certain places on this Koi-Stuff site, live links to other Internet addresses can be accessed. Such external Internet addresses contain information created, published, maintained, or otherwise posted by institutions or organizations independent of Koi-Stuff. Koi-Stuff does not endorse, approve, certify, or control these external sites and does not guarantee the accuracy, completeness, efficacy, timeliness, or correct sequencing of information located at such addresses. Use of any information obtained from such addresses is voluntary, and reliance on it should be undertaken only after an independent review of its accuracy, completeness, efficacy, and timeliness. Reference therein to any specific commercial product, process, or service by trade name, trademark, service mark, manufacturer, or otherwise does not constitute or imply endorsement, recommendation, or favoring by Koi-Stuff.

DISCLAIMER
To the fullest extent permissible pursuant to applicable law, the materials on this website are provided "as is" and without warranties of any kind either expressed or implied and Koi-Stuff and its subsidiaries and affiliates (collectively, Koi-Stuff) disclaim all warranties, expressed or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Koi-Stuff does not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this website or the server that makes it available are free of viruses or other harmful components. Koi-Stuff does not warrant or make any representations regarding the use or the results of the use of the materials on this website in terms of their correctness, accuracy, reliability, or otherwise. You (and not Koi-Stuff) assume the entire cost of all necessary servicing, repair, or correction. The information and descriptions contained herein are not necessarily intended to be complete descriptions of all terms, exclusions and conditions applicable to the products and services, but are provided solely for general informational purposes; please refer to the actual policy or the relevant product or services agreement.

This website may be linked to other websites which are not maintained by Koi-Stuff. Koi-Stuff is not responsible for the content of those websites. The inclusion of any link to such websites does not imply approval of or endorsement by Koi-Stuff of the websites or the content thereof.

LIMITATION OF LIABILITY
While Koi-Stuff uses reasonable efforts to include accurate and up to date information on this website, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, Koi-Stuff makes no warranties or representations as to the accuracy of this website and under no circumstances, including, but not limited to, negligence, shall Koi-Stuff or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if Koi-Stuff or an Koi-Stuff authorized representative has been advised of the possibility of such damages. In no event shall Koi-Stuff's total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website.

Koi-Stuff also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.

RESTRICTIONS ON USE OF MATERIALS
This website is owned and operated by Koi-Stuff. Except as otherwise expressly permitted by Koi-Stuff, no materials from this website or any website owned, operated, licensed or controlled by Koi-Stuff may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for your use only provided you also retain all copyright and other proprietary notices contained on the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video without Koi-Stuff's written permission.

Koi-Stuff neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties.

JURISDICTIONAL ISSUES
Unless otherwise expressly set forth herein, Koi-Stuff makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so on their own initiative and are responsible for compliance with local laws.

OWNERSHIP OF INFORMATION
Any information, other than personal data or information, you transmit to Koi-Stuff via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and nonproprietary and will become the property of Koi-Stuff. Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. Koi-Stuff is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to Koi-Stuff via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.