1. Terms of Use

By accessing this website, you (buyer/viewer/worker/affiliate) agree to comply with these Terms, all applicable laws, and regulations. You acknowledge that our products are study guides and tutoring services, opinions only, not guaranteed 100% correct. All content can be freely found at http://www.fema.gov/. Non-USA addresses are not permitted. Copyright protected materials: Registration Numbers TXu001809215 & TX0009361306.

2. Use License

1. Permission is granted to temporarily download purchased materials for personal, non-commercial use only. This is a license, not a transfer of title. You may not:
   1. Modify or copy materials
   2. Use materials for commercial/public display
   3. Reverse engineer software
   4. Remove copyright/proprietary notices
   5. Transfer or mirror materials on other servers
   6. Orders older than 45 days cannot be resent. For errors, request via order recovery
2. Violation terminates the license. Upon termination, destroy all downloaded materials. No refunds issued.

3. Disclaimer

Materials are provided "as is". No warranties, expressed or implied, including merchantability, fitness for purpose, or non-infringement. Accuracy, reliability, or results are not guaranteed. This is not FEMA's official website and is not affiliated with FEMA (http://www.fema.gov/).

4. Limitations

FEMA Test Answers and suppliers are not liable for any damages, including data loss, profit loss, or business interruption, even if notified in advance. Some jurisdictions may not allow such limitations.

5. Revisions and Errata

Materials may contain errors. Updates may be made without notice. No commitment to update.

6. Links

We are not responsible for the content of external links and do not endorse them. Use at your own risk.

7. Site Terms of Use Modifications

Terms may be revised without notice. Continued use indicates acceptance of the current terms.

8. Governing Law

Claims relating to the site are governed by the laws of the State of Online, without conflict of law provisions.

9. Refund Policy

No refunds on digital goods accessed via our tracking software.

10. No Chargeback Agreement

Payments are final and binding. Any chargeback attempts breach the agreement and can result in termination of business relationship. Disputes are resolved via direct contact with the Merchant, or binding arbitration in Michigan. AVS/CVV2 fraud filters apply to all payments. Customers indemnify the Merchant against chargebacks.

11. Affiliate Program / NDA Agreement

By participating in the affiliate program (link), you agree to these terms and the NDA. Confidential Information includes technical and business information such as formulas, methods, business plans, customer lists, and financial data. Employees/affiliates agree not to use Confidential Information for personal benefit or competition. Employment is at-will.

12. Privacy Policy

• Purpose of collection identified at collection time.
• Use personal information only for specified purposes.
• Retain information only as long as necessary.
• Collect data lawfully, with knowledge/consent where appropriate.
• Data must be accurate, complete, and up-to-date.
• Protect personal information with reasonable safeguards.
• Make policies and practices transparent to customers.

We ensure confidentiality and responsible management of personal information at all times.