1. Unless otherwise indicated, the documents and information, including but not limited to text, graphics, icons, logos, buttons and images, on this Web Site are copyrighted materials of, and owned and controlled by PIGGY CARD or the party credited as the provider of the content.

2. Reproduction and storage of documents and information from the Web Site is subject to the U.S. Copyright Act of 1976, Title 17 of the United States Code, and any and all international copyright laws.

3. All software used on this Web Site is the property of PIGGY CARD or its software suppliers and is also subject to applicable federal, state and/or international copyright laws.

4. Users may not reproduce, modify, decipher, de-compile, distribute, transmit, republish, display, disassemble or reverse engineer any of the software and/or contents found on this Web Site without written and express consent by PIGGY CARD.

5. PIGGY CARD and the PIGGY CARD logo are trademarks, service marks and/or trade names of PIGGY CARD. In addition, this Web Site contains many third-party trademarks, service marks and/or trade names, which are the property of their respective holders.

6. These marks are protected by applicable federal, state and/or international laws. The use and/or misuse of these aforementioned trademarks, service marks and/or trade names is expressly prohibited and may be in violation of federal, state and/or international copyright, trademark, and/or tort laws.

7. This Web Site is covered and protected by U.S. patents issued by the United States Patent and Trade Office.

1. Users may use this Web Site for their personal, non-commercial use only. Other than the foregoing, users may not use this Web Site for any other purpose without the written and express consent of PIGGY CARD.

2. Users may not use this Web Site for any purpose that is unlawful and/or prohibited by these terms and conditions and/or all applicable federal, state and/or international laws. These include but are not limited to transmissions of anything that violates copyright, privacy, confidentiality, publicity or intellectual property rights of any person; anything that is false, misleading, libelous, harmful, abusive, harassing, hateful, threatening, defamatory, obscene, indecent, threatening, harassing, harmful or that could constitute an incitement to unlawful conduct.

3. Users may not use and/or transmit materials in any manner that could damage, disable, overburden, impair, delete, revise or interfere with any other party's use and enjoyment of the Web Site.

4. Users may not gain or attempt to gain unauthorized access to any non-public areas of this Web Site, through hacking, password mining or any other means.

5. Users may not violate or attempt to violate the security, efficiency, reliability, and/or integrity of this Web Site. 6. Users agree to defend, indemnify and hold harmless PIGGY CARD, its subsidiaries, its agents, its affiliates or any of its employees or officers against and from any third party claims, actions, damages or demands, including but not limited to reasonable legal and accounting fees, resulting from the user's use and/or misuse of this Web Site, violation of these terms and conditions, or any activities related to this Web Site, or from the user's violations of the rights of any other user of this Web Site.

1. THE MATERIAL CONTAINED IN THIS WEB SITE IS INFORMATIONAL ONLY. AT THIS TIME, THIS WEB SITE DOES NOT OFFER GAMING OR WAGERING. ANY GAMING OR WAGERING BASED ON THE INFORMATION OBTAINED FROM THIS WEB SITE MUST BE DONE SO BY MEANS AUTHORIZED BY THE PROPER GAMING AUTHORITIES OF THE JURISDICTION IN WHICH THE USER IS PRESENT.

2. THE USERS AGREE THAT THE USE OF THIS WEB SITE IS UNDERTAKEN AT THEIR OWN RISK. NO WARRANTIES ARE MADE BY PIGGY CARD, ITS SUBSIDIARIES, ITS AGENTS (INCLUDING THE WEB SITE'S HOST), ITS AFFILIATES OR ANY OF ITS EMPLOYEES OR OFFICERS THAT THE WEB SITE WILL OPERATE ERROR-FREE AND/OR WITHOUT INTERRUPTION, DELAY, SUSPENSION, SHUTDOWN, LOSS, DEFECT, ALTERATION, OUTAGES, VIRUSES AND/OR OTHER HARMFUL COMPONENTS. NO WARRANTIES ARE MADE AS TO THE ACCURACY OF THE INFORMATION ON THIS WEB SITE.

3. THE WEB SITE, ITS CONTENT, AND ANY MERCHANDISE CONTAINED THEREIN ARE PRESENTED "AS IS". NO WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, ARE MADE BY PIGGY CARD, ITS SUBSIDIARIES, ITS AGENTS (INCLUDING THE WEB SITE'S HOST), ITS AFFILIATES, OR ANY OF ITS EMPLOYEES OR OFFICERS.

4. TO THE FULL EXTENT PERMISSIBLE BY FEDERAL, STATE, AND LOCAL LAW, PIGGY CARD, ITS SUBSIDIARIES, ITS AGENTS (INCLUDING THE WEB SITE'S HOST), ITS AFFILIATES, OR ANY OF ITS EMPLOYEES OR OFFICERS ARE NOT RESPONSIBLE FOR ANY DIRECT OR INDIRECT DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO ANY INJURY, LOSS, CLAIM, OR ANY SPECIAL, EXEMPLARY, PUNITIVE, INCIDENTAL OR CONSEQUENTIAL DAMAGES OF ANY KIND, OR LOSS OF REVENUE OR PROFITS, WHETHER FORESEEABLE OR NOT, ANY FAILURE BY PIGGY CARD, ITS SUBSIDIARIES, ITS AGENTS (INCLUDING THE WEB SITE'S HOST), ITS AFFILIATES, OR ANY OF ITS EMPLOYEES OR OFFICERS TO PROVIDE ACCESS TO OR USE OF THIS WEB SITE, OR ANY OTHER CAUSE WHATSOEVER.

5. BECAUSE CERTAIN JURISDICTIONS TO WHICH THESE TERMS AND CONDITIONS MAY BE SUBJECT DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY BE HELD TO BE INAPPLICABLE IN THOSE JURISDICTIONS. IN THE EVENT THAT THE FOREGOING LIMITATION OF LIABILITY IS HELD UNENFORCEABLE FOR ANY REASON, THEN PIGGY CARD'S MAXIMUM LIABILITY FOR ANY OF THE FOREGOING TYPES OF DAMAGES SHALL BE LIMITED TO A TOTAL OF $100.00.

6. INFORMATION AND RECOMMENDATIONS MADE IN ANY AND ALL HANDICAPPING AND ANALYSIS ON THIS WEB SITE IS FOR ENTERTAINMENT AND INFORMATIONAL USE ONLY. ANY RELIANCE MADE ON SUCH INFORMATION IS AT THE SOLE DISCRETION AND RISK OF THE USER. PIGGY CARD, ITS SUBSIDIARIES, ITS AGENTS (INCLUDING THE WEB SITE'S HOST), ITS AFFILIATES, OR ANY OF ITS EMPLOYEES OR OFFICERS ARE NOT LIABLE FOR ANY LOSSES AS A RESULT OF THE USE OR MISUSE OF THE INFORMATION AND RECOMMENDATIONS PROVIDED IN THIS WEB SITE. ANY USE OF THIS INFORMATION IN VIOLATION OF ANY AND ALL FEDERAL, STATE, LOCAL AND/OR INTERNATIONAL LAWS IS PROHIBITED.

7. PIGGY CARD MAY AT ANY TIME AND AT ITS SOLE DISCRETION, MODIFY OR DISCONTINUE THIS WEB SITE. IT MAY ALSO LIMIT, TERMINATE, OR SUSPEND A USER'S USE OF OR ACCESS TO THIS WEB SITE.

1. This site may provide hyperlinks and/or references to external web sites of third parties merely as a convenience to the users of this site.

2. PIGGY CARD neither endorses nor is responsible for the content of and/or services provided by these other third party web sites. Any concerns regarding the content of these web sites should be directly addressed to the respective third party.

3. Users who decide to access these third party web sites do so at their own risk.

4. PIGGY CARD will under no circumstances be liable for any damages or injury arising from the user's reliability to and/or access to and/or use of content on these third party web sites.