Other than content you own, which you may have opted to include on this Website, under these Terms, NBRFM owns all rights to the intellectual property and material contained in this Website, and all such rights are reserved. A refund may be obtained for services, provided that the request is made within 48 hours of purchase. All services will begin processing immediately and delivered within a 7-day period. Electronic correspondence from NBRFM will be sent to the client, re-stating these terms and conditions that were given to the client during the telephone compliance process. Signing this document reinforces acknowledgement of these terms, the services contracted, recognition of charges, and understanding of the refund policy. All questions or concerns are to be addressed via email and telephone.

You are granted a limited license only, subject to the restrictions provided in these Terms, for purposes of viewing the material contained on this Website.

NBRFM is permitted to revise these Terms at any time as it sees fit, and by using this Website you are expected to review such Terms on a regular basis to ensure you understand all terms and conditions governing use of this Website.

These Terms, including any legal notices and disclaimers contained on this Website, constitute the entire agreement between NBRFM and you in relation to your use of this Website, and supersede all prior agreements and understandings with respect to the same.