Terms & Conditions

By using this web site and/or the services available there from, you agree to be subject to certain Terms and Conditions, which Petra Mutual Holdings, LLC may amend from time to time, such amended Terms and Conditions becoming effective upon their posting on this web site. Use of this web site is also subject to all applicable international, federal, state and local laws, rules and regulations. The information and services available through this web site are provided "AS IS" and Petra Mutual Holdings, LLC does not guarantee the accuracy, timeliness, adequacy, completeness, non-infringement, merchantability or fitness for a particular purpose of such information, the availability of this web site or the services offered thereby.

The information provided on this site or in any communication containing a link to this site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or used would be contrary to law or regulation or which would subject Petra Mutual Holdings, LLC or its affiliates to any registration requirement within such jurisdiction or country. Neither the information, nor any opinion contained this site constitutes a solicitation or offer by Petra Mutual Holdings, LLC or its affiliates to buy or sell any securities or other financial instruments or provide any investment advice or service.

Terms and Conditions

Applicable Laws, Rules and Regulations; Jurisdiction Your access to and use of this web site ("Site"), including without limitation, the information, materials, content and services provided by this Site, is subject to all applicable international, federal, state and local laws, rules and regulations.

Petra Mutual Holdings, LLC controls and operates this Site from within the State of Texas, U.S.A. Petra Mutual Holdings, LLC makes no claim that the information, materials, content and services available from this Site are suitable or available for use in locations other than Texas. By accessing and/or using this Site from locations within and not within the State of Texas, you agree to comply with all applicable local laws, rules and regulations. These Terms and Conditions are governed by the laws of the State of Texas, without respect to the choice or conflict of laws provisions thereof. Any legal action that may be taken by you with respect to these Terms and Conditions shall be filed only in the courts in the state of Texas, county of Denton, and you hereby consent and submit to the personal jurisdiction of such courts concerning such legal action.

Protected Information

Except as otherwise stated, the information, materials, content and services available through this web site are owned by Petra Mutual Holdings, LLC. This Site also contains information, materials, content and services which may be derived, in whole or in part, from third party sources. All information, materials, content and services contained in this Site are protected by U.S. and international copyright and trademark laws. No permission is granted to copy, reproduce, modify, republish, post, frame, upload or otherwise distribute any information, materials, content, service, text, graphics, audio, video, software or any other material or information contained in this Site, provided, however, that you may download, display, and print one copy of such material or information solely for your personal, non-commercial use, so long as you retain all copyright, trademark and other proprietary notices thereon. Petra Mutual Holdings, LLC and other names of Petra Mutual Holdings, LLC products or services or trademarks of Petra Mutual Holdings, LLC. All trademarks, service marks and trade names contained in this Site are the property of their respective owners.

Modification of these Terms and Conditions

Petra Mutual Holdings, LLC reserves the right, in its sole and absolute discretion, to revise, modify, change, add or delete any provision of these Terms and Conditions at any time and for any reason. Petra Mutual Holdings, LLC recommends that you review these Terms and Conditions periodically for any changes which may have been made. Use of this Site after modifications are posted to the Terms and Conditions acknowledges your acceptance and agreement to the Terms and Conditions as modified. In addition, Petra Mutual Holdings, LLC reserves the right to monitor any and all activity and use of this Site.

Third Party Content and Links

Petra Mutual Holdings, LLC makes no representations of any kind concerning any third party information, materials, content or services contained in this Site, or in another web site which you may access through this Site via hyperlink, whether or not such hyperlink is provided by Petra Mutual Holdings, LLC or a third party. Petra Mutual Holdings, LLC has no control over information, materials, content or services provided by a third party or contained in a non-Petra Mutual Holdings, LLC, even if this Site is linked to the non-Petra Mutual Holdings, LLC web site. Petra Mutual Holdings, LLC makes no warranty with respect to the accuracy, timeliness or suitability of such third party information, materials, content or services. A link to a non-Petra Mutual Holdings, LLC web site does not constitute an endorsement of such web site, its information, materials, content or services, the organization sponsoring such web site, or as applicable, a recommendation to purchase, sell or hold any security offered by or through Petra Mutual Holdings, LLC, this Site or a non-Petra Mutual Holdings, LLC web site.

No Advice

Petra Mutual Holdings, LLC will not, and you acknowledge that Petra Mutual Holdings, LLC will not, advise you concerning the nature, value, potential or suitability of any security, portfolio of securities, transaction, strategy for investing or other matter. The fact that a particular security is included in the content of this Site or the services available through this Site does not constitute a recommendation by Petra Mutual Holdings, LLC to buy, sell or hold such security or any other security.

No Warranty

THIS SITE AND THE CONTENT AND SERVICES AVAILABLE THEREFROM ARE FURNISHED "AS IS" AND PETRA MUTUAL HOLDINGS, LLC MAKES NO WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THIS SITE, ITS CONTENT OR SERVICE, INCLUDING WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT.

Limitation of Liability

IN NO EVENT WILL PETRA MUTUAL HOLDINGS, LLC BE LIABLE TO ANY PARTY UNDER ANY CIRCUMSTANCES FOR ANY INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES THAT MAY ARISE OR RESULT FROM THE USE OF OR INABILITY TO USE THIS SITE, INCLUDING WITHOUT LIMITATION, THE USE OF OR INABILITY TO USE OR ACCESS THE CONTENT OFFERED THROUGH THIS SITE OR ON ANY OTHER HYPER LINKED WEB SITE, INCLUDING, WITHOUT LIMITATION, LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION, CONTENT OR OTHER DATA, EVEN IF PETRA MUTUAL HOLDINGS, LLC HAS BEEN EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

PETRA MUTUAL HOLDING, LLC IS NOT LIABLE FOR DAMAGES OR INJURY, INCLUDING WITHOUT LIMITATION, DAMAGES OR INJURY CAUSED BY ANY PERFORMANCE, FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATIONS LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF INFORMATION, WHETHER ARISING OR RESULTING, IN WHOLE OR IN PART, FROM BREACH OF CONTRACT, TORT, NEGLIGENCE OR OTHERWISE. THE EXCLUSION OF IMPLIED WARRANTIES IS NOT PERMITTED IN SOME JURISDICTIONS AND THEREFORE THE IMPLIED WARRANTIES EXCLUSION SET FORTH HEREIN MAY NOT APPLY TO YOU. IN NO EVENT SHALL PETRA MUTUAL HOLDINGS, LLC TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, CAUSES OF ACTION OR OTHERWISE, WHETHER ARISING IN CONTRACT, TORT OR OTHERWISE, EXCEED THE AMOUNT PAID BY YOU TO PETRA MUTUAL HOLDINGS, LLC FOR USE OF THIS SITE, ITS CONTENT AND THE SERVICES PROVIDED THEREBY.

Termination

You may terminate this agreement at any time by destroying all materials obtained from this Site and all related documentation and information. Petra Mutual Holdings, LLC may terminate this agreement, for any reason or for no reason, at any time by providing to you notice of such termination. Petra Mutual Holdings, LLC reserves the right to terminate this agreement immediately without notice if, in Petra Mutual Holdings, LLC sole discretion, you fail to comply with any of the terms or conditions of this agreement. Upon termination, you must destroy all materials obtained from this Site and all copies of such materials.

Severability

If any provision of these Terms and Conditions is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severable herefrom and shall not affect the validity and enforceability of the remaining provisions.

Entire Agreement

These Terms and Conditions, as may be amended from time to time by Petra Mutual Holdings, LLC, represent the entire agreement between you and Petra Mutual Holdings, LLC relating to the subject matter contained herein.

Copyright and Trademark Notices

All contents of this site are owned and operated by Petra Mutual Holdings, LLC. Copyright © 2008