By using LACROIXINC.COM and/or the LACROIX, INC. chat room including any software and content contained therein, you agree, that use of the Service is entirely at your own risk. LACROIX, INC. is not a registered investment advisor or a broker dealer. You assume the entire cost and risk of trading and are solely responsible for any and all gains and losses, financial, emotional or otherwise experienced, suffered or incurred by you. All transactions you choose to engage in with or without seeking advice from a licensed and qualified financial advisor or entity are conducted at your sole discretion and are your sole responsibility. Any information, opinion, advice or offer posted by any entity logged on to the LACROIXINC.COM web site or in the LACROIX, INC. chat room is to be construed as public conversation only. LACROIX, INC. makes no warranties that trading methods or systems presented in their services or the information herein or discussed, shown or taught in the LACROIX, INC. chat room, or obtained from advertisers or members will result in profits or losses. LACROIX, INC. gives no assurances regarding the accuracy, truth, timeliness, reliability, or good faith of any material posted. The Information is for educational purposes only and is not intended to provide tax, legal, trading or investment advice, which you should obtain from your professional advisor prior to making any trade or investment of the type discussed in the Information or in the LACROIX, INC. chat room. The Information does not constitute a solicitation by the information providers, LACROIX, INC., LACROIXINC.COM or any other person(s) or entities for the purchase or sale of securities/commodities.

You understand and acknowledge that there is a very high degree of risk involved in trading securities/commodities and fully understand and accept that people can and often do lose money. Past results of any individual trader published, discussed or taught on this web site or in the LACROIX, INC. chat room are not indicative of future returns by that trader and are not indicative of any future returns, which may or may not be realized by you. We assume no responsibility or liability whatsoever for your trading and investment results.

Performance results have many inherent limitations, some of which are described below. No representation is being made that any account or individual trader will or is likely to achieve profits or losses similar to those shown, decribed, taught or discussed in the chat rooom. In fact, there are frequently sharp differences between individual trading results between other chat room participants and the actual trades taught or discussed in the chat room. In addition, hypothetical trading does not involve financial risk, and no hypothetical trading can completely account for the impact of financial risk in actual trading, for example, the ability to withstand losses or to adhere to a particular trading methodology, strategy or program in spite of trading losses are material points which can also adversely affect actual trading results. There are numerous other factors related to the markets in general or to the implementation of any specific trading method, strategy or program which cannot be fully accounted for, all of which can adversely affect actual trading results.

The methodologies, indicators, strategies and all other features of the LACROIX, INC. chat room and LACROIXINC.COM (collectively, the "Information") is provided for informational and educational purposes only and should not be construed as investment or trading advice. The analysts, instructors and employees or affiliates of LACROIX, INC. may or may not hold positions in the financial instruments discussed at any given time in the chat room and the trades taught or discussed in the chat room may or may not be actually be traded by LACROIX, INC. employees, hence are to be considered hypothetical trades. You should not rely solely on the Information taught or discussed in the chat room in making any trade or investment. Rather, you should use the Information only as an educational guide and as a starting point for your learning and understanding of the markets and for conducting additional independent research in order to allow you to form your own opinion regarding trading or investing.

By using the Information on LACROIXINC.COM or in the LACROIX, INC. chat room you assume full responsibility for any and all gains and losses, financial, emotional or otherwise, experienced, suffered or incurred by you. LACROIX, INC. does not guarantee the accuracy, completeness or timeliness of, nor does it otherwise endorse in any way, the views, opinions or recommendations expressed in the Information and further does not give investment or trading advice and does not advocate the purchase or sale of any security/commodity nor does it reccommend any trade or investment be made or taken by you or any other individual. The Information provided is for educational purposes only and is not intended to provide tax, legal, trading or investment advice, which you should obtain from your professional advisor prior to making any trade or investment of the type discussed in the Information or the chat room itself. The Information does not constitute a solicitation by the information providers, LACROIX, INC, LACROIXINC.COM or any other
person(s) or entities of the purchase or sale of securities/commodities.

THE SERVICE IS PROVIDED "AS IS," WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION, ANY WARRANTY FOR INFORMATION, DATA, SERVICES, UNINTERRUPTED ACCESS, OR PRODUCTS PROVIDED THROUGH OR IN CONNECTION WITH THE SERVICE. SPECIFICALLY, LACROIX, INC. AND LACROIXINC.COM DISCLAIMS ANY AND ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO: (i) ANY WARRANTIES CONCERNING THE AVAILABILITY, ACCURACY, USEFULNESS, OR CONTENT OF INFORMATION, PRODUCTS OR SERVICES; AND (ii) ANY WARRANTIES OF TITLE, WARRANTY OF NON-INFRINGEMENT, WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. THIS DISCLAIMER OF LIABILITY APPLIES TO ANY DAMAGES OR INJURY CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, TORT, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION. NEITHER LACROIX, INC., LACROIXINC.COM NOR ANY OF ITS EMPLOYEES, AGENTS, SUCCESSORS, ASSIGNS, AFFILIATES, OR CONTENT OR SERVICE PROVIDERS SHALL BE LIABLE TO YOU OR OTHER THIRD PARTY FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF USE OF SERVICE OR INABILITY TO GAIN ACCESS TO OR USE THE SERVICE OR OUT OF ANY BREACH OF ANY WARRANTY. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IN SUCH STATES, THE RESPECTIVE LIABILITY OF LACROIX, INC. AND LACROIXINC.COM, ITS EMPLOYEES, AGENTS, SUCCESSORS, ASSIGNS, AFFILIATES AND CONTENT OR SERVICE PROVIDERS RESPECTIVE LIABILITY IS LIMITED TO THE GREATEST EXTENT PERMITTED BY SUCH STATE LAW.

LACROIX, INC., LACROIXINC.COM or one of its affiliates, are the owner and/or authorized user of any trademark, registered trademark and/or service mark appearing on the LACROIXINC.COM web site, and is the copyright owner or licensee of the content and/or information on the web site, unless otherwise indicated. LACROIX, INC. does not grant to you a license to any content, features or materials you may access on this web site nor in the chat room. You may not download or save a copy of any of the content or screens except as otherwise provided in these Terms and Conditions, for any purpose. You may, however, print a copy of the information on this web site, particularly the Terminology section, solely for your personal use or records. If you make other use of this web site, except as otherwise provided above, you may violate copyright and other laws of the United States, other countries, as well as applicable state laws and may be subject to liability for such unauthorized use. We do not grant any license or other authorization to any user of its trademarks, registered trademarks, service marks, other copyright material or any other intellectual property, by including them on this web site or in the chat room. We reserve the right to change any information on this web site or in the chat room, including but not limited to revising and/or deleting features or other information without prior notice to you. Accessing certain links within this web site may provide you with access to other web sites for which we assume no responsibility of any kind for the content, availability, any services provided or otherwise. (See "Resources" page) The content of this web site may vary depending upon your browser functionality and limitations. You acknowledge and agree that you must: (a) provide for your own access to the World Wide Web and pay any service fees associated with such access and (b) provide all equipment necessary for you to make such connection to the World Wide Web, including a computer, software, a modem and a working telephone line. (c) be individually responsible to 1st Works Corporation (Hot Comm) for your own Hot Comm user ID and access code (or to such other chat room hosting service or provider that LACROIX, INC. or LACROIXINC.COM may use or switch to from time to time without notice).

Third Party Provided Content:

Chat room hosting for LACROIX, INC. and LACROIXINC.COM is provided by 1st Works Corporation (Hot Comm). Market quotes streaming ticker on the LACROIXINC.COM web site provided by barchart.com and certain other information on this web site, as well as reference materials or links to other sites, are for general informational purposes only, and are not intended to be relied upon for transactional or for trading/investing purposes. Neither LACROIX, INC., LACROIXINC.COM nor any of its data or content providers (including but not limited to 1st Works Corporation and barchart.com) shall be liable for any errors or delays in the content, or for any actions taken in reliance thereon.

User Conduct On LACROIXINC.COM:

While using the Service, you may not:
1. Upload, post, publish, transmit, reproduce, or distribute in any way, information, software or other material obtained through the Service which is protected by copyright, or other proprietary or intellectual property right, or derivative works with respect thereto, without obtaining permission of the copyright owner or right holder or LACROIX, INC.; or

2. Upload, post, publish, reproduce, transmit or distribute in any way any component of the Service itself or derivative works with respect thereto, as the Service is copyrighted as a collective work under U.S. and International copyright laws; or

3. Upload, post, publish or transmit any unlawful, fraudulent, libelous, defamatory, obscene, pornographic, profane, threatening, abusive, or otherwise objectionable information of any kind, including without limitation any transmissions constituting or encouraging conduct that would constitute illegal activity, give rise to civil liability, or otherwise violate any local, state, national or foreign law, including without limitation the U.S. export laws and regulations; or

4. Upload, post, publish, transmit, reproduce, distribute or in any way exploit any information, software or other material obtained through the Service for commercial purposes (other than as expressly permitted by the provider of such information, software or other material); or

5. Restrict or inhibit any other user from using and enjoying the Service; or

6. Offer, sell or buy any security/commodity or other investment vehicle; or

7. Knowingly violate any laws, including without limitation the Securities Act of 1933 and Securities Exchange Act, or any rule of any securities/commodities exchange, including, without limitation, the New York Stock Exchange, NASDAQ/AMEX or the CFTC.

8. Post or transmit any advertisements, solicitations, chain letters, pyramid schemes, investment opportunities or schemes or other unsolicited commercial communication (except as otherwise expressly permitted by LACROIX, INC. or LACROIXINC.COM) or engage in spamming or flooding; or

9. Impersonate any other person or entity, or misrepresent your affiliation with any other person or entity; or

10. Post or transmit any information or software, which contains a virus, trojan horse, worm or other harmful component.

You acknowledge and agree, however, that we do retain the right to monitor the Service and, subject to the limitations of the LACROIX, INC. or LACROIXINC.COM Privacy Policy, to disclose any information as necessary or appropriate to satisfy any law, regulation or other governmental request, to operate the Service properly, or to protect itself or its subscribers. We have no obligation to monitor the Service. We will not intentionally monitor or disclose any private electronic-mail message unless required by law. We reserve the right to refuse to post or to remove any information or materials, in whole or in part, that, in its sole discretion, are unacceptable, undesirable, inappropriate or in violation of these Terms and Conditions.

Submissions.

All information submitted to LACROIX, INC. or LACROIXINC.COM via this web site shall be deemed and remain the property of LACROIX, INC. and/or LACROIXINC.COM and we shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information any user of this web site provides to LACROIX, INC. and/or LACROIXINC.COM through this web site or in the LACROIX, INC. chat room or via electronic mail. LACROIX, INC. and/or LACROIXINC.COM shall not be subject to any obligations of confidentiality regarding submitted information, except as agreed by LACROIX, INC. and/or LACROIXINC.COM or as otherwise specifically agreed or required by law.

Links from and to LACROIX, INC. and/or LACROIXINC.COM:

You acknowledge and agree that LACROIX, INC. and/or LACROIXINC.COM and any of its web site co-branding providers have no responsibility for the accuracy or availability of information provided by linked web sites. Links to external web sites do not constitute an endorsement by LACROIX, INC. or LACROIXINC.COM or its web site co-branding providers of the sponsors of such sites or the content, products, advertising or other materials presented on such sites. The links on this web site may provide you with access to other web sites where the trading of or the investing in securities/commodities are possible. You acknowledge and agree that neither LACROIX, INC. nor LACROIXINC.COM shall be responsible or liable with regard to any trading which may be conducted on such linked trading sites or any other web site, which may be linked to or from LACROIXINC.COM. You acknowledge and agree that you bear responsibility for your own trading/investment research and trading/investment decisions, and that neither LACROIX, INC. nor LACROIXINC.COM shall be liable for any decision made or action taken by you or others based upon reliance on information or materials obtained through use of the Service or taught or discussed in the chat room. Prior to the execution of a securities/commodities trade or investment, you should always consult with your broker or other financial representative to verify securities/commodities pricing information. Information in the many web pages that are linked to LACROIXINC.COM comes from a variety of sources. Some of this information comes from official LACROIXINC.COM licensees, but much of it comes from unofficial or unaffiliated organizations and individuals, both internal and external to LACROIX, INC. and LACROIXINC.COM. We do not author, edit, or monitor these unofficial pages or links. You acknowledge and agree that we are not responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on such external sites or resources.

Other Information:

If you wish to make purchases through the Service, you may be asked by the merchant or information or service provider from whom you are making the purchase to supply certain information, including credit card or other payment mechanism information. You agree not to hold LACROIX, INC. or LACROIXINC.COM liable for any loss or damage of any kind incurred as a result of any such dealings with any merchant or information or service provider through the Service. You agree that all information you provide any merchant or information or service provider through the Service for purposes of making purchases will be accurate, complete and current. The merchants and information and service providers offering merchandise, information and services through the Service set their own prices and may change prices or institute new prices at any time. You agree to pay all charges incurred by users of your account and credit card or other payment mechanism at the prices in effect when such charges are incurred. You also will be responsible for paying any applicable taxes relating to purchases through the Service.

Failure to comply with Terms and Conditions:

You acknowledge and agree that we may deny you access to all or part of the Service or to the chat room without prior notice if you engage in any conduct or activities that we, in our sole discretion, believe violate any of these Terms and Conditions, violate the rights of LACROIX, INC. or LACROIXINC.COM, or are otherwise inappropriate for continued access. You acknowledge and agree that we may, in our sole discretion, deny you access, through LACROIX, INC. or LACROIXINC.COM, to third party services, merchandise, materials or information on the Internet, and we shall have no responsibility to notify any third-party providers of services, merchandise or information nor any responsibility for any consequences resulting from lack of notification. You agree to defend, indemnify and hold LACROIX, INC. and LACROIXINC.COM and its affiliates harmless from any and all claims, liabilities, costs and expenses, including reasonable attorneys' fees, arising in any way from your use of the Service or the chat room or the placement or transmission of any message, information, software or other materials through the Service or in the chat room by you or through use of this web site or the chat room or related to any violation of these Terms and Conditions by you or the use of this web site or the chat room.

Terms and Conditions of Use:

Please read these terms and conditions of use (the "Terms and Conditions") which govern your use of LACROIX, INC. and/or LACROIXINC.COM or its chat room (sometimes referred to as the "Service") and your relationship with LACROIX, INC. and/or LACROIXINC.COM, Corp. and all individuals and companies associated with this web site and the chat room (collectively referred to as "LACROIX, INC." or "We"). If you do not agree to these Terms and Conditions do not use the Service. We may change the Terms and Conditions from time to time and at any time without notice to you, by posting such changes on this web site. By using the Service following any modifications to these Terms and Conditions, you agree to be bound by any such modifications to the Terms and Conditions.

Miscellaneous:

The Terms and Conditions and the relationship between you and LACROIX, INC. shall be governed by the laws of the State of Florida, without regard to its conflict of law provisions. You and LACROIX, INC. each agrees to submit to the personal and exclusive jurisdiction of the courts located within the State of Florida and more specifically, those located in Palm Beach County, Florida. The failure of LACROIX, INC. to exercise or enforce any right or provision of the Terms and Conditions shall not constitute a waiver of such right or provision. If any provision of the Terms and Conditions is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and all other provisions of the Terms and Conditions shall remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or the Terms and Conditions must be filed within one (1) year after such claim or cause of action arose or be forever barred.