The service located at www.tenpearls.com is a website (owned and operated by TenPearls, LLC.). This Site is intended to provide information that may be of interest to Users. The contents of this Site, including but not limited to the text and images herein unless otherwise noted, are the copyrighted material of TenPearls. Copyright © 2004 to 2011 TenPearls, LLC. All rights are reserved. All Trademarks referred to are the property of their respective owners.

The User shall be deemed to have accepted and agreed to the following terms and conditions upon the User's use of the website www.tenpearls.com. Users' access to and use of the Site is subject to the following Terms and Conditions and all applicable laws.

Terms and Conditions

1. The term TenPearls shall mean TenPearls, LLC. The term User shall mean the user who is browsing the website www.tenpearls.com (Site).
2. www.tenpearls.com is owned by TenPearls. All content present on this Site is the exclusive property of TenPearls, including all the software, text, images, graphics, video, mobile applications and audio used on this Site.
3. No material from this site may be copied, modified, reproduced, republished, uploaded, transmitted, posted or distributed in any form without prior written permission from TenPearls. All rights not expressly granted herein are reserved.
4. The TenPearls name and logo are trademarks that belong to and are owned by TenPearls, LLC. These trademarks may not be used in any manner without prior written consent from TenPearls.
5. Unauthorized use of the materials appearing on this Site may violate copyright, trademark and other applicable laws. Such use could result in criminal or civil penalties. TenPearls may monitor access to the Site.
6. TenPearls may terminate a User's access to the Site at any time and for any reason. The provisions regarding disclaimer of warranty, accuracy of information and indemnification shall survive such termination.
7. TenPearls may change or discontinue any aspect of the Site at any time, including its content or features.
8. TenPearls shall not be liable for damages of any kind, including and without limitation to direct, incidental or consequential damages (including, but not limited to, damages for lost profits, business interruption, and loss of programs or information) arising out of the use of or inability to use the Site, any information provided on the Site, or for any other reason whatsoever.
9. TenPearls shall have no responsibility for any damage to the User's computer system or loss of data that may result from downloading any content, materials or information from the Site.
10. The information contained in the Site has been obtained from sources believed to be reliable. TenPearls disclaims all warranties as to the accuracy, completeness or adequacy of such information.
11. The Site provides links to websites and access to content, products and services from third parties, including Users, affiliates and sponsors of the Site. TenPearls is not responsible for the availability of, or content provided on, third party websites. Before accessing or using such websites, TenPearls encourages Users to read their policies regarding privacy and other topics. TenPearls is not responsible for third party content accessible through the Site, including opinions, advice, statements and advertisements. The User shall bear all risks associated with the use of such content. TenPearls is not responsible for any loss or damages the User may incur from dealing with any third party.
12. TenPearls makes no warranty that: (a) the Site will meet the User's requirements; (b) the Site will be available on an uninterrupted, timely, secure or error-free basis; (c) the results that may be obtained from the use of the Site or any services offered through the Site will be accurate or reliable.
13. TenPearls may at any time revise these Terms and Conditions. Users are bound by the most current Terms and Conditions each time they visit this Site. TenPearls encourages Users to periodically review these Terms and Conditions to which they are bound.