By using this website, you agree to be bound by and to comply with the terms and conditions of this Terms of Use. If you do not agree with the terms and conditions of this Terms of Use, you must exit and discontinue use of this website.

Use of Website
You may use this website only for your own lawful personal, non-commercial and non-public use.  You shall not modify or attempt to modify any of the contents of this website or take any action or use this website in any way which might interfere with the security of this website, interfere with the accessibility of this website or any of its contents, or cause damage to this website or any of its contents.

Modifications
Research for Action (RFA) reserves the right to modify this Terms of Use at any time without providing you notice of any modification.  If RFA decides to change this Terms of Use, the revised Terms of Use will be posted on this page. Your use of this website following any modification to this Terms of Use constitutes your agreement to follow and be bound by this Terms of Use as modified.  As a result, you should periodically review the terms and conditions of this Terms of Use.

Privacy Policy
Click here to see the full text of the Privacy Policy for this website.  You agree to the terms of the Privacy Policy, which are hereby made a part of this Terms of Use.

Links to Third Party Sites
RFA, from time to time, may post links to third party websites. If you use any such link to a third party website, you will leave this website and will be subject to the terms of use and the privacy policy applicable to such website.  You should therefore review the terms of use and the privacy policy of any such website.  RFA does not endorse, sponsor or recommend any linked website or any of the contents of a linked website. RFA is not responsible or liable for any linked website or for the accuracy, reliability, completeness or legality of any information provided on any linked website.  Your use of any linked website or any of the contents of any such website is at your own risk.

Copyright and Other Intellectual Property Rights
This website and the contents of this website are copyrighted and may be used only as permitted by this Terms of Use.  RFA retains all of its intellectual property rights in this website and the contents of this website.  Any trademark, trade name or logo appearing on this website may not be used without the written permission of the owner of such trademark, trade name or logo.

Exclusion of Warranties
RFA does not represent or warrant that your use of this website or any contents of this website, including but not limited to any document that can viewed on or downloaded from this website, will not infringe any right of a third party. RFA also makes no representation or warranty as to the accuracy, reliability, completeness or legality of any information on this website and assumes no liability or responsibility for any inaccuracy or deficiency in the contents of this website.  Without limiting the foregoing, this website and the contents of this website are provided to you “AS IS” without representations or warranties of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose and non-infringement.

Indemnification
You shall indemnify, defend and hold harmless RFA, its affiliates, officers, agents, directors, employees, vendors and licensors, and any parties involved in creating or producing any portion of this website or any of the contents of this website, including but not limited to any document that can be viewed on or downloaded from this website, or involved in operating this website (collectively the “RFA Parties”) from and against any and all losses, claims, damages, liabilities, obligations, penalties, judgments, awards, costs, expenses, and disbursements, including, without limitation, the costs, expenses, and disbursements, as and when incurred, of investigating, preparing, or defending any action, suit, proceeding, or investigation (including, without limitation, reasonable attorneys’ fees and expenses) caused by, relating to, based upon, arising out of, or in connection with (a) your failure to perform or observe any provision of this Terms of Use required to be performed or observed by you hereunder; (b) your negligence, willful misconduct or unlawful conduct, (c) your access or use of this website or any contents of this website, or (d) your violation of any rights of any third party.

Limitation of Liability and Release
Your access or use of this website and any contents of this website is at your own risk.   RFA assumes no liability or responsibility for any loss of data or any infection of or damage to your computer or any other property as a result of your accessing or using this website or any contents of this website or downloading anything from this website.

Notwithstanding anything in this Terms of Use or otherwise, neither RFA nor any other RFA Party shall be liable for loss of profits, loss of business, loss of or damage to goodwill, or indirect, exemplary, punitive or consequential damages, whether in contract, tort, strict liability or other legal or equitable theory or otherwise.  You, together with your personal representatives, assigns, heirs, and next of kin, hereby absolutely and forever release each RFA Party, its assigns, predecessors-in-interest, and successors-in-interest from any and all losses, claims, damages, liabilities, obligations, penalties, judgments, awards, costs, expenses, and disbursements (collectively “Losses”) arising out of or related to this Terms of Use or the access or use of this website or any content of this website by you and covenant not to sue any RFA Party for any Losses arising out of or related to this Terms of Use or the access or use of this website or any content of this website by you.

License
Any document or work downloaded from this website is subject to the license below, and must be used in accordance with this license and in the public interest.

Each such document or work is licensed to you under a Creative Commons Attribution-NonCommercial-NoDerivs 3.0 Unported License, the terms of which can be viewed by clicking on the link. A summary of the license is as follows:

You are free to:

• Share — to copy, distribute and transmit the work.

Under the following conditions:

• Attribution — You must attribute the work in the manner specified by the author or licensor (but not in any way that suggests that they endorse you or your use of the work).
• Noncommercial — You may not use this work for commercial purposes.
• No Derivative Works — You may not alter, transform, or build upon this work.

With the understanding that:

• Waiver — Any of the above conditions can be waived if you get permission from the copyright holder.

In the event of any conflict between this summary of the license and the terms of the Creative Commons Attribution-NonCommercial-NoDerivs 3.0 Unported License, the terms of the Creative Commons Attribution-NonCommercial-NoDerivs 3.0 Unported License shall govern.

By electing to download, save, print or copy any electronic report or document, you agree to use the report or document in a way that conforms to all applicable laws and regulations and to this Terms of Use.

Severability
Invalidity or unenforceability of any provision of this Terms of Use shall not affect the remaining provisions of this Terms of Use, which shall continue in full force and effect.

Choice of Law, Venue and Statute of Limitations
This Terms of Use shall be governed by the laws of the Commonwealth of Pennsylvania, without regard to its conflict of laws provisions. You irrevocably consent to the exclusive jurisdiction and venue of the state and federal courts located in Philadelphia, Pennsylvania for all disputes arising out of or related to this Terms of Use or the use of this website or the use of any content of this website. Any claim or cause of action arising out of or relating to this Terms of Use or the access or use of this website or any content of this website must be filed within one year after such claim or cause of action arises or it is forever barred.

Headings
Headings and captions in this Terms of Use are for convenience only and are not to be used in the interpretation of this Terms of Use.

Entire Agreement
This Terms of Use contains the entire agreement of RFA and you relating to the subject matter hereof and supersedes any and all oral and/or written communications or understandings relating to the subject matter hereof.