These "Terms of Use" set forth the terms and conditions that apply to your use of www.drumloyka.com (the "Web Site").  As used in the Terms of Use the words "user” “you" and "your" refer to any person accessing the site, and the words "Drum Loyka", “Drum, Loyka & Associates”, DLA”, refer to Drum, Loyka & Associates, LLC.  By using the Web Site (other than to read this page for the first time), you agree to comply with all of the Terms of Use set forth herein.  The right to use the Web Site is personal to you and is not transferable to any other person or entity.

Copyrights and Trademarks

A. All materials contained on the Web Site are Copyright January 18, 2008,
Drum, Loyka & Associates, LLC.  All rights reserved.

B. No person is authorized to use, copy, or distribute any portion the Web Site
including related graphics.

C. Drum, Loyka & Associates, LLC, Drum, Loyka & Associates, DLA and other trademarks and/or service marks (including logos and designs) found on the Web Site are trademarks/service marks that identify Drum, Loyka & Associates, LLC and the goods and/or services provided by Drum, Loyka & Associates, LLC.  Such marks may not be used under any circumstances without the prior written authorization of Drum, Loyka & Associates.

Content of User-Posted Information; Other Use of Site

Posting or transmitting any advertising "spam," unlawful or other material we deem inappropriate for our site is prohibited.  Drum, Loyka & Associates disclaims all responsibility or liability arising from the content of any user postings.

Users agree to refrain from undertaking any activity that imposes an unreasonable or disproportionate burden on the Web Site.  Drum, Loyka & Associates reserves the sole and absolute discretion to deny, revoke, or otherwise restrict the access privileges of any user who at any time fails to comply with these Terms and Conditions.

Links to Third-Party Web Site

Drum, Loyka & Associates may provide hyperlinks to web sites operated and maintained by individuals and organizations other than Drum, Loyka & Associates as a convenience to users of the Web Site.  Drum, Loyka & Associates does not control third-party web sites and is not responsible for the contents of any linked-to, third-party web sites or any hyperlink in a linked-to web site.  Drum, Loyka & Associates does not endorse, recommend or approve any third-party web site hyperlinked from the Web Site.  Drum, Loyka & Associates will have no liability to any entity for the content or use of the content available through such hyperlink.

No Representations or Warranties; Limitations on Liability

The information and materials on the Web Site has been gathered from several sources and could include technical inaccuracies or typographical errors.  Drum, Loyka & Associates uses all reasonable efforts to ensure the accuracy of the Web Site but reserves the right to change in its sole discretion the Web Site, in any way and/or at any time, without notice.  Drum, Loyka & Associates does not warrant that this Site, various services provided through this Web Site, and any information, software or other material downloaded from this Web Site, will be uninterrupted, error-free, or free of viruses or other harmful components.

DRUM, LOYKA & ASSOCIATES, OR ANY OF ITS PRINCIPALS, EMPLOYEES OR OTHER REPRESENTATIVES MAKES NO REPRESENTATIONS OR WARRANTIES WITH RESPECT TO ANY INFORMATION, MATERIALS OR GRAPHICS ON THE WEB SITE, ALL OF WHICH IS PROVIDED ON A STRICTLY "AS IS" BASIS, WITHOUT WARRANTY OF ANY KIND AND HEREBY EXPRESSLY DISCLAIMS ALL WARRANTIES WITH REGARD TO ANY INFORMATION, MATERIALS OR GRAPHICS ON THE WEB SITE, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.  UNDER NO CIRCUMSTANCES SHALL THE SITE OWNER OR PUBLISHER BE LIABLE UNDER ANY THEORY OF RECOVERY, AT LAW OR IN EQUITY, FOR ANY DAMAGES, INCLUDING WITHOUT LIMITATION, SPECIAL, DIRECT, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES (INCLUDING, BUT NOT LIMITED TO LOSS OF USE OR LOST PROFITS), ARISING OUT OF OR IN ANY MANNER CONNECTED WITH THE USE OF INFORMATION OR SERVICES, OR THE FAILURE TO PROVIDE INFORMATION OR SERVICES, FROM THE WEB SITE.

Changes to These Terms of Use