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NCLC provides you with access to and use of the digital library resources of this website, subject to these terms of use. By accessing this site, you agree to these terms of use. This is a legal agreement between you and the National Consumer Law Center and governs all use of this website, including all content, information, and services provided on the website. By accessing, browsing, or using this website, you acknowledge that you have read, understood, and agree to be bound by these terms of use. We may update these terms of use at any time, with or without notice to you. Each time you access this website, you agree to be bound by the terms of use then in effect. If you do not agree to these terms, you cannot use this site or its digital library resources. You do not have the right to amend or alter these terms of use in any manner whatsoever.

The National Consumer Law Center claims United States Copyright and international intellectual property rights to the technology, software, and content provided here. You may not share passwords or documents with unauthorized users. Users should immediately inform the National Consumer Law Center if they have reason to believe that another user is infringing any copyrights or other proprietary materials. Companion material and linked third party sites may be subject to their own copyright and terms of use.

Individual Terms of Use
1. Registration is required to access the content on this site. Each registration is for a single user only, unless otherwise expressly provided on the registration page. You are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer, and you agree to accept responsibility for all activities that occur under your account or password. If you believe there has been unauthorized use, you must notify us immediately at [email protected] or call 617-542-9595.
2. Use of the site is subject to full payment of the current subscription period.
3. Registered users can purchase additional user names at a discounted rate for use within the same organization. Additional users are subject to these same terms of use.
4. Registered Users are entitled to view/search the content, download, print, or email sections of the books and documents/files for personal or education use, to collaborate with others, to present to a court or agency or legislature
5. Users are NOT entitled to make the downloaded, printed, or emailed sections generally available on any website, distribute the material for commercial purposes, or store the material for archival purposes.
6. Users are NOT entitled to access the digital library from more than five IP (internet protocol) addresses and/or devices within a 24-hour period.
7. Users may NOT attempt to gain unauthorized access to any services, accounts, computer systems, or networks connected to any server used for this website, through password mining, hacking, or any other means. You will not seek to gain access to any materials or information through any means not intentionally made available by us.
8. You acknowledge and agree that the National Consumer Law Center, in its sole discretion, may terminate your website access if your conduct is found to be unlawful, inconsistent with, or in violation of, the letter or spirit of these terms of use, or for any other reason in our sole determination. Should you object to any terms and conditions of these terms of use, or to any subsequent modifications thereto, your only recourse is to immediately discontinue use of the website.
9. This site and its digital library resources may not be used to engage in the unauthorized practice of law.

Institutional/IP Terms of Use
1. Authorized users at Institutions (students, faculty, colleagues, library users) are subject to the preceding terms of use.
2. Law school law library entire set purchasers with IP access are entitled to IP access for all computers residing in the law school (but not within the university outside the law school) and may offer remote connection to all law school faculty and students, but not to others.
3. Other library entire set purchasers with IP access are entitled to IP access to all computers within the library but not any devices outside the library.
4. Law Firms with authorized IP Access are entitled to IP access for employees of the law firm exclusively at one physical site.

Limited Warranty
1. The National Consumer Law Center represents and warrants that it has the right and authority to make these digital library resources available to you and your authorized users as authorized expressly by the subscription agreement and these terms of use.
2. Except as stated above, this website is provided “AS IS,” without additional warranty of any kind, including, but not limited to:
Warranties of performance, merchantability, fitness for a particular purpose, accuracy, omissions, completeness, currentness, and delays
Warranties that access to any product will be uninterrupted, secure, complete, or error free warranties as to the life of any URL or third-party website.
Provision of content and software entails the likelihood of some human and machine errors, delays, interruptions, and losses, including the inadvertent loss of data or damage to media.
This site and the products and services referenced here is not intended to meet customer requirements which have not been expressly stated in the subscription agreement.
In no event will the National Consumer Law Center be liable, in contract, tort, strict liability, or otherwise, for:
Indirect, incidental, special, punitive, or consequential damages of any kind arising out of, or in connection with use of this website
Any claim(s) relating in any way to customer's inability or failure to perform research or other work or to perform such research or work properly or completely, even if assisted by the National Consumer Law Center
Any decision made or action taken by customer in reliance upon the availability of or content made available through this website.
The National Consumer Law Center does not disclaim other rights which may be available to authorized users under state or federal laws.

By agreeing to these terms of use, as amended from time to time, you agree also that any dispute concerning or related to these terms of use, is to be resolved solely and exclusively in state or federal courts located in the Commonwealth of Massachusetts.
You agree further that these terms of use shall be governed by the substantive law of the Commonwealth of Massachusetts and the federal laws of the United States.