FRA: Legal Disclaimer

The information contained in this site is for general guidance on matters of interest only. The application and impact of laws can vary widely based on the specific facts involved. Given the changing nature of laws, rules and regulations, and the inherent hazards of electronic communication, there may be delays, omissions or inaccuracies in information contained in this site. Accordingly, the information on this site is provided with the understanding that the authors and publishers are not herein engaged in rendering legal, accounting, tax, or other professional advice and services. As such, it should not be used as a substitute for consultation with professional accounting, tax, legal or other competent advisers. Before making any decision or taking any action, you should consult a FRA professional.

While we have made every attempt to ensure that the information contained in this site has been obtained from reliable sources, FRA (FRA) is not responsible for any errors or omissions, or for the results obtained from the use of this information. All information in this site is provided "as is", with no guarantee of completeness, accuracy, timeliness or of the results obtained from the use of this information, and without warranty of any kind, express or implied, including, but not limited to warranties of performance, merchantability and fitness for a particular purpose. In no event will FRA, its related partnerships or corporations, or the partners, agents or employees thereof be liable to you or anyone else for any decision made or action taken in reliance on the information in this site or for any consequential, special or similar damages, even if advised of the possibility of such damages.

Except as otherwise noted, all materials in this site are copyright © FRA, Inc. All rights reserved. All the content included in this site, including, but not limited to, the text, graphics, photographs, data, images, audio and video clips, logos, button icons, digital downloads and data compilations ("content") is the property of FRA or its content suppliers and is protected by U.S. and international copyright laws. All software used to operate this site is the property of FRA and its software suppliers and is protected by U.S. and international copyright laws. The compilation, collection, selection, arrangement, assembly and coordination of all content available in this site is the exclusive property of FRA and protected by U.S. and international copyright laws. You do not acquire any ownership rights in any articles, memoranda or other materials you download or copy from this site. FRA has obtained permission to post all materials on this site from the authors and original publishers. You may download, use, and copy the materials found on this site for your personal, noncommercial use only, provided that all copies that you make of the material must bear any copyright, trademark or other proprietary notice located on this site which pertain to the material being copied. Except as described above, it is unlawful to copy, republish, redistribute, and/or alter these materials without the prior written consent of the copyright owners.

If you believe that your work has been copied by FRA in a way that constitutes copyright infringement, please provide our copyright agent the following information:

  • An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
  • A description of the copyrighted work that you claim has been infringed;
  • A description of where the material that you claim is infringing is located on the site;
  • Your address, telephone number, and e-mail address;
  • A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;
  • A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

FRA’s copyright agent for notice of claims of copyright infringement can be reached as follows:

4755 Lake Forest Drive

Cincinnati, OH 45242-3858 

Certain links in this site connect to other websites maintained by third parties over whom FRA has no control. FRA makes no representations as to the accuracy or any other aspect of information contained in other websites. Your use of this site is governed by and shall be construed in accordance with the laws of the state of Ohio, United States of America, without application of its conflicts of law principles. This site is controlled and operated by FRA from its principal office in Cincinnati, Ohio, U.S.A., and is not intended to subject FRA to the laws or jurisdiction of any state, country, or territory other than that of Ohio and of the United States of America. Those who choose to access this site or any information or content located herein do so on their own initiative and at their own risk, and are responsible for complying with local laws. In the event of a dispute arising under or relating to your use of this site or any information or materials located herein, or these terms, you agree to the exclusive jurisdiction of the federal and state courts located in Hamilton county, Ohio, and waive any jurisdiction, venue, or inconvenient forum objections to such courts. If any provision of these terms shall be found to be unlawful, void or unenforceable for any reason, such provision shall be revised to the minimum extent required by applicable law for such provision to be enforceable and such revised provision shall be considered a part of these.

By visiting or using this site, the associated web pages and any content located herein, you accept and agree to be bound by these terms, including without limitation, FRA's privacy policy which is incorporated herein by reference. We may revise these terms at any time without notice to you by posting revised terms on this web page. Your continued use of this site shall constitute your acceptance of the revised terms.