Before you can join, you must read and agree to these terms and conditions as they contain legal obligations. Please read them carefully. By joining this site, you are agreeing to these terms and conditions, and are agreeing to be legally bound by them. This agreement is subject to change by National Research Group (NRG) at any time. Changes are effective when posted on this site without notice upon each subscriber.

    "Member" or "Membership", as referred to in this document shall mean: The subscriber or User of a valid username and password (User-id) for the site during the term of membership.
    "Site," as referred to in this document shall mean: The site for which you are purchasing a username and password (user-id) from NRG in order to access that site and its materials and benefits of membership.
    "Subscriber," as referred to in this document shall mean: The End-user, Consumer, of the services of the site and holder of a valid username and password (user-id) for the site.
    "User-id," as referred to in this document shall mean: The combination of unique username and password that is sold by NRG and used to access the site. A user-id is a license to use the site for a period of time that is specified.
    "Bookmarking," as referred to in is document shall mean: The act of placing a URL into a temporary file on the subscriber's browser so that the subscriber may return to that page at a future date directly, without passing through any pages that may have been precedent.
    By checking the "I have read and agree to the Terms and Conditions." which I hereby adopt as my electronic signature, I consent and agree that:
    (a) You can provide disclosures required by law and other information about my legal rights and duties to me electronically.
    (b) My electronic signature on agreements and documents has the same effect as if I signed them in ink.
    (c) You can send important communications and disclosures to me electronically to the email address that I have provided to the Merchant in this transaction or to another email address that I provide to you for that purpose.
    (d) This consent applies to this transaction, to all future transactions with the merchant, at any time, and to other disclosures that you provide to me by email, unless I have, prior to such transaction, withdrawn my consent by the procedure mentioned below.
    NRG will provide one user-id to access the site and its contents for which you are purchasing membership.
    "National Research Group" will appear on your credit card billing statement for all charges made.
    Sites will have periodic subscription fees that are defined by the terms of the site at the time of the initial enrollment for subscription. The member is responsible for such fees according to the terms of the site. Once a member has accessed the site using the user-id, assigned to the member, subscription fees become non-refundable.
    As determined by the Webmaster of the site, subscription fees may be automatically renewed at the end of the original term selected, for a similar period of time, unless notice is received from the subscriber seven (7) days prior to renewal. An email will also be sent to the email address we have on file, as entered by you, as a reminder (7) days before the subscription is to be renewed. It is very important you make sure the email address you enter is correct in order to receive notices. Unless and until this agreement is cancelled in accordance with the terms hereof, subscriber hereby authorizes NRG to charge subscriber's credit card to pay for the ongoing cost of membership.
    Subscribers may request a copy of the account of charges made for the use of the site. Subscriber foregoes this right if such request is not made. Requests must be made directly to NRG.
    At any time, and without cause, NRG, the site, or the subscriber upon notification of the other may terminate at subscription to the Service by electronic or conventional mail, or by telephone or fax. When the member requests the termination, SUBSCRIPTION FEES ARE NOT REFUNDED. Subscribers are liable for charges incurred by them until termination of service. If you request cancellation or request a refund from your bank or card issuer due to unauthorized or fraudulent use, NRG can at its discretion, to prevent further unauthorized use, block your account or card from use at all NRG clients' websites. This will not however prevent unauthorized use at non-NRG customers, and is not a substitution for your contacting your financial institution to prevent further misuse.
    Subscriber agrees that at any time they will not bookmark any page to the site that will allow the subscriber to bypass the terms and conditions of the site upon entering. If such a bookmark exists, said bookmark will constitute full agreement to said terms and conditions as well as to admission that subscriber is of legal age of majority in their state, country or region.
    Subscribers to the site are hereby authorized a single license to download, copy, or print material found on the site. This license shall grant for sole use via one computer. All memberships are provided for personal use and shall not be used for any commercial purposes or by any commercial entities. Commercial use of either the site or any material found within is strictly prohibited. No material within the site may be transferred to any other person or entity, whether commercial or non-commercial. In addition, materials may not be modified, or altered. Materials may not be displayed publicly, or used for any rental, sale, or display. Materials shall extend to copyright, trademarks, or other proprietary notices there from.
    NRG and the site reserve the right to terminate this license at any time if the terms of this agreement are breached. In the case that the terms are breached, you will be required to immediately destroy any information or material printed, downloaded or otherwise copied from the site.
    Access to the site is through a combination of a username and a password (user-id). Subscribers may not under any circumstances release their user-id to any other person, and are required to keep his or her user-id strictly confidential. NRG will not release passwords for any reason, to anyone other than the subscriber, except as may be specifically required by law or court order. Unauthorized access to the site is a breach of this Agreement and a violation of law. Subscribers acknowledge that the Webmaster of the site may track through the use of special software each subscriber's entry to the site. If any breach of security, theft or loss of user-id, or unauthorized disclosure of user-id occurs, subscriber must immediately notify NRG or the site of said security breach. Subscriber will remain liable for unauthorized use of service until NRG or the site is notified of the security breach by email or telephone.
    The site may have additional Terms and Conditions that are an integral part of this Agreement, and are in addition to these Terms and Conditions. Such Terms and Conditions as listed at the site will in no way invalidate any of the Terms and Conditions listed here. All Terms listed apply to NRG, the site, and the subscriber.
    I agree to the terms and conditions specified by the site linked to this page.
    If any provision of this Agreement shall be held to be invalid or unenforceable for any reason, the remaining provisions shall continue to be valid and enforceable. If a court finds that any of this Agreement is invalid or unenforceable, but that by limiting such provision it would become valid or enforceable, then such provision shall be deemed to be written, construed, and enforced as so limited.
  14. Unless expressly stated to the contrary elsewhere within the Site, all legal issues arising from or related to the use of the Site shall be construed in accordance with, and all questions with respect thereto shall be determined by, the laws of the state, applicable to contracts entered into and wholly to be performed within said state.

Notices by the site to subscribers may be given by means of electronic mail messages sent to the subscriber, by a general posting on the site, or by conventional mail. Notices by subscribers to the site may be given by electronic mail, conventional mail, telephone or fax unless otherwise specified in the Agreement. All cancellations of service to a site must be directed to NRG.