Agreement between User and Lighthouse Learning and Development This web site is offered to you, the User, conditioned
upon your acceptance without modification of the terms, conditions and notices contained herein. Your use of this web site
constitutes your agreement to all such terms, conditions and notices.

Copyright Notice
The contents of all material available on the site are copyrighted by Lighthouse Learning and Development unless otherwise
indicated. All rights are reserved by Lighthouse Learning and Development and, except for purposes of researching or
applying for a loan, the content may not be reproduced, downloaded, disseminated, published, or transferred in any form or
by any means, except with the prior written permission of Lighthouse Learning and Development.

Legal Notice and Disclaimer
INFORMATION ON THIS SITE IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY
KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING WITHOUT LIMITATION THE
IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR
PURPOSE OR NON-INFRINGEMENT.

Lighthouse Learning and Development (including its employees and agents) assumes no responsibility for consequences
from the use of the information herein, or in any respect for the content of such information, including, but not limited to,
delays, errors or omissions, the accuracy or reasonableness of information, the defamatory nature of statements, ownership
of copyright or other intellectual property rights, and the violation of property, privacy or personal rights of others.
LIGHTHOUSE LEARNING AND DEVELOPMENT IS NOT RESPONSIBLE FOR, AND EXPRESSLY DISCLAIMS ALL LIABILITY FOR,
DAMAGES OF ANY KIND ARISING OUT OF USE, REFERENCE OR RELIANCE ON SUCH INFORMATION.

No Unlawful or Prohibited Use
As a condition of your use of this web site, you warrant to Lighthouse Learning and Development that you will not use this
web site or any information contained on the web site for any purpose that is unlawful or prohibited by these Terms,
Conditions and Notices.

Links to Other Internet Sites
At certain places on this site, live "links" to other Internet addresses can be accessed ("Linked Sites"). Such Linked Sites
contain information created, published, maintained, or otherwise posted by institutions or organizations independent of
Lighthouse Learning and Development. Lighthouse Learning and Development does not endorse, approve, certify or control
these Linked Sites and does not guarantee the accuracy, completeness, efficacy, and timeliness or correct sequencing of
information that they contain. Use of Linked Sites is voluntary, and should only be undertaken after an independent review of
the accuracy, completeness, efficacy and timeliness of information contained therein. In addition, it is the user's responsibility
to take precautions to ensure that material selected from such Linked Sites is free of such items as viruses, worms, Trojan
horses and other items of a destructive nature. Lighthouse Learning and Development is not responsible for, and expressly
disclaims all liability for, damages of any kind arising out of the use of such Linked Sites, or reference to or reliance on
information contained therein.

Modification of these Terms, Conditions and Notices
Lighthouse Learning and Development reserves the right to change the Terms, Conditions and Notices under which this web
site is offered.

General
Lighthouse Learning and Development reserves the right to terminate this agreement at any time for any reason, including,
but not limited to, violating any of the terms or conditions of this agreement. By accessing this web site, you have directed
your system to a computer located in the State of Virginia. You agree that disputes arising out of or relating to the contents
or use of this web site are to be governed by the laws of the State of Virginia. You consent to the exclusive jurisdiction of
courts sitting in the State of Virginia all disputes arising out of or relating to the contents or use of this web site.

If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law, including without
limitation, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provisions will
be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and
the remainder of the agreement shall continue in full force and effect.

This agreement constitutes the entire agreement between you and Lighthouse Learning and Development with respect to the
use of this web site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral
or written, between you and Lighthouse Learning and Development with respect to this web site. A printed version of this
agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon
or relating to this agreement to the same extent and subject to the same conditions as other business documents and records
originally generated and maintained in printed form.

Any rights not expressly granted herein are reserved.
© 2011Lighthouse Learning and Development.  All rights reserved.
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