Terms and Conditions of Use

The following Terms and Conditions of Use dated as of August 2009, govern use by all Users of 1ST DEBT, an online service, and the electronic edition of the Products subscribed to by the User or the User's institution (the "Electronic Product(s)"). Please read the following carefully because by using 1ST DEBT you are agreeing to abide by these Terms and Conditions of Use.

Your institution may have subscribed to a License which permits you additional uses; contact your institution's librarian/administrator for more information.

Copyright

The entire contents of the Electronic Product, and each article and abstract and other material available through 1ST DEBT, are protected by copyright (unless otherwise indicated on the title page of the article). As a User, you have certain rights specified below; all other rights are reserved.

Rules of Use

1. To make 1ST DEBT and the Electronic Product useful, the following rules apply:
   1. All Users, including Guest Users, will have access to all Content websites within 1ST DEBT. You may browse all Tables of Content and for all Electronic Product on 1ST DEBT regardless of what Electronic Product your institution subscribes to, and search the entire database of Tables of Content and abstracts. For most publications, you may browse the abstracts as well.
   2. Users at institutions which have subscribed to Electronic Product and users who have access under a Society or Personal License will have access to the full text of such Electronic Product ("Authorized Users"). Authorized Users may download, view, copy and save to hard disk or diskette and store or print out single copies of individual articles or items for your own personal use, scholarly, educational or scientific research or internal business use. Authorized Users may transmit to a third-party colleague in hard copy or electronically, a single article or item from 1ST DEBT for personal use or scholarly, educational, or scientific research or professional use but not for re-sale. In addition, Authorized Users have the right to use, with appropriate credit, figures, tables and brief excerpts from individual articles in the Electronic Product(s) in your own scientific, scholarly and educational works.
   3. All Users, including Guest Users, have the option to create a My Profile Page which will allow them to create links to Electronic Product (s), articles of interest and search criteria which may be reused by them and manage their custom e-mail alerting services. In order to do so, Users must register. During the registration process, Users will select and register a user name and password which they must keep confidential and not disclose to or share with anyone else.
2. Except as provided above, you may not copy, distribute, transmit or otherwise reproduce material from Electronic Products (s); store such material in any form or medium in a retrieval system; download and/or store an entire issue of a Electronic Product or its equivalent; or transmit such material, directly or indirectly, for use in any paid service such as document delivery or list serve, or for use by any information brokerage or for systematic distribution, whether or not for commercial or non-profit use or for a fee or free of charge.
3. In order to protect the integrity and attribution of 1ST DEBT and the Electronic Product(s), you agree not to remove, obscure or modify any copyright or proprietary notices, author attribution or disclaimer contained therein or on any screen display. You may not integrate material from the Electronic Product(s) with other material or otherwise create derivative works in any medium. This is not meant to prohibit quotations for purposes of comment, criticism or similar scholarly purposes.
4. You may not do anything to restrict or inhibit any other User's access to or use of 1ST DEBT and the Electronic Product(s).
5. If you refuse or fail to abide by these Terms and Conditions or violate any other terms of this Agreement, Wiley reserves the right in its sole discretion to suspend or terminate your access to 1ST DEBT and the Electronic Products immediately without notice, in addition to any other available remedies.

Additional Terms

1st-Debt is not responsible for any charges associated with accessing 1ST DEBT and the Electronic Products, including, but not limited to, any computer equipment, telephone or Internet connections and access software.

1st-Debt may modify any of these terms and conditions at any time by providing notice in 1ST DEBT. Your continued use of 1ST DEBT shall be conclusively deemed acceptance of such modification.

1ST DEBT may provide links to third-party websites. Where such links exist, 1st-Debt disclaims all responsibility and liability for the content of such third-party websites. Users assume the sole responsibility for the accessing of third-party websites and the use of any content appearing on such websites.

1ST DEBT AND THE ELECTRONIC JOURNALS AND ALL MATERIALS CONTAINED THEREIN ARE PROVIDED ON AN "AS IS" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE, OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE; THE USE OF THE ELECTRONIC JOURNALS, 1ST DEBT AND ALL MATERIALS IS AT THE USER'S OWN RISK; ACCESS TO 1ST DEBT AND THE ELECTRONIC JOURNALS MAY BE INTERRUPTED AND MAY NOT BE ERROR FREE; AND NEITHER 1ST DEBT, THE ELECTRONIC JOURNALS, 1ST-DEBT, OR ANYONE ELSE INVOLVED IN CREATING, PRODUCING OR DELIVERING THE ELECTRONIC JOURNALS OR THE MATERIALS CONTAINED IN 1ST DEBT, SHALL BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES ARISING OUT OF THE USER'S USE OF OR INABILITY TO USE 1ST DEBT, THE ELECTRONIC JOURNALS AND ALL MATERIALS CONTAINED THEREIN.