Materials on this site are provided by Carmen Creations, as a service to its customers and may be used for informational purposes only. Single copies may be downloaded subject to the provisions below. By downloading any materials from this site, you agree to these terms. If you do not agree to them, do not use the site or download any materials from it.

Ownership of Materials
Materials are copyrighted and are protected by worldwide copyright laws and treaty provisions. They may not be copied, reproduced, modified, published, uploaded, posted, transmitted, or distributed in any way, without Carmen Creations’ prior written permission. Except as expressly provided herein, Carmen Creations does not grant any express or implied right to you under any patents, copyrights, trademarks or trade secret information. Other rights may be granted to you by Carmen Creations in writing or incorporated elsewhere in the Materials.

Single Copy License
You may download one copy of the information or software ("Materials") found on Carmen Creations sites on a single computer for your personal, non-commercial internal use only. This is a license, not a transfer of title, and is subject to the following restrictions: you may not: (a) modify the Materials or use them for any commercial purpose, or any public display, performance, sale or rental; (b) decompile, reverse engineer, or disassemble software Materials; (c) remove any copyright or other proprietary notices from the Materials; (d) transfer the Materials to another person. You agree to prevent any unauthorized copying of the Materials.

Termination of This License
Carmen Creations may terminate this license at any time if you are in breach of the terms of this Agreement. Upon termination, you will immediately destroy the Materials. U.S. Government Restricted Rights The Materials are provided with "RESTRICTED RIGHTS." Use, duplication, or disclosure by the Government is subject to restrictions as set forth in FAR52.227-14 and DFAR252.227-7013 et seq., or its successor. Use of the Materials by the Government constitutes acknowledgment of Carmen Creations' proprietary rights in them. Disclaimer THE MATERIALS ARE PROVIDED "AS IS" WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OF ANY KIND INCLUDING WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT OF INTELLECTUAL PROPERTY, OR FITNESS FOR ANY PARTICULAR PURPOSE. IN NO EVENT SHALL Carmen Creations OR ITS SUPPLIERS BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION) ARISING OUT OF THE USE OF OR INABILITY TO USE THE MATERIALS, EVEN IF Carmen Creations HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. BECAUSE SOME JURISDICTIONS PROHIBIT THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. Carmen Creations further does not warrant the accuracy or completeness of the information, text, graphics, links or other items contained within these materials. Carmen Creations may make changes to these materials, or to the products described therein, at any time without notice. Carmen Creations makes no commitment to update the Materials.

Applicable Laws
This site is controlled and operated by Carmen Creations from its offices within the United States of America. Carmen Creations makes no representation that Materials in the site are appropriate or available for use in other locations, and access to them from territories where their contents are illegal is prohibited. Those who choose to access this site from other locations do so on their own initiative and are responsible for compliance with applicable local laws. You may not use or export the Materials in violation of US export laws and regulations. Any claim relating to the Materials shall be governed by the internal substantive laws of the State of Arizona. is just for our records, not for selling to spam-lists. We value your privacy almost as much as our own. You can tell us exactly how to use your information and when. The only exception is this: If, for whatever reason, the use and disclosure of information is required by law through a subpoena, search warrant or other legal process, then disclosure may take place without the individual's consent.