Remember the risks whenever you use the internet.  While we do our best to protect your personal information, we cannot guarantee the security of any information that you transmit to us and you are solely responsible for maintaining the secrecy of any passwords or other account information.  In addition, other internet sites or services that may be accessible through our site have separate data and privacy practices independent of us, and therefore we disclaim any responsibility or liability for their policies or actions.  For any such third party products or services, you should carefully read the privacy policies of the third parties providing such products or services and any terms and conditions applicable to such products or services.