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                                                         User                           Agreement/Disclaimer
 The information appearing at Natural Family Online™ is                       intended for educational purposes only. While we believe                       the information published                             on our site to be accurate, we do not intend it to                       serve as a substitute for professional medical advice.                       If you have questions or concerns                             regarding your physical or mental health or the health                       of your child, please seek assistance from a qualified                       health care provider.
 
 This User Agreement ("Agreement") governs the                       use of the Busy Family Network™ of                       sites ("Service")                       produced by Busy Family Network™ ("Service Provider"),                       including participation in the Service's interactive message                       board                       ("Interactive                             Forums").                             Your use of the Service will constitute your agreement                             to comply with                             these rules. If you do not agree with the rules contained                             in this Agreement, please do not use the Service.
 
 The following rules may be modified by Service Provider                             from time to time. Continued use of the Service by                             you will constitute your                             acceptance of any changes or revisions to this Agreement.
 
 Your failure to follow the Service's rules, whether                             listed below or in supplemental notices posted at                             various points                       in the Service,                             may result in termination of your access to the Service,                       without notice, in addition to Service Provider's other                       remedies. Access                             to and use of the Service are subject to the terms                       and conditions of this User Agreement and Copyright Notice                       and all applicable laws                             and regulations, including laws and regulations governing                       copyright and trademark. BY ACCESSING THE SERVICE, YOU                       ACCEPT, WITHOUT LIMITATION                             OR QUALIFICATION, ALL OF THE TERMS AND CONDITIONS                       IN THIS USER AGREEMENT. Busy Family Network™ and                       its affiliates reserve the right to change these                             terms and conditions at any time. By using the Service,                       you agree in advance to accept any changes.
 
 1. Statements and opinions expressed in our Interactive                       Forums, instant polls, comments sections, contributed works,                       excerpts and elsewhere                             on the Service are not necessarily those of Busy                       Family Network™ and                       should not be considered facts. Busy Family Network™ offers                       this                       site and the information                             contained herein without any warranty of any kind,                       express or implied, and is not liable for its accuracy,                       for mistakes, errors, or omissions                             of any kind, nor for any loss or damage caused by                       a user's reliance on information obtained from the site.                       The financial and other information                             presented on the Service is also for general purposes                       only, and should be used only to supplement your knowledge.                       Neither the contributor(s)                             nor idEnterprises guarantees the accuracy or completeness                       of any information contained in these articles and neither                       Busy Family Network™ nor                       the contributor(s) is responsible for any errors or omissions                       or for the results obtained from the use of                       such information, nor                             shall be liable or responsible to any person or entity                       for any loss or damage caused, or alleged to have been                       caused, directly or indirectly                             by the information or ideas referenced or suggested                       on the Service.
 
 2. The materials used and displayed on the Service, including,                       but not limited to, text, software, photographs, graphics,                       illustrations                             and artwork, music, video and sound, and names, logos                       and trademarks, are the property of Busy Family Network™ or                       its affiliates or licensors and are protected by copyright,                       trademark and other                       laws. Any such content may be displayed solely for your                       personal, non-commercial                             use. You agree not to modify, reproduce, retransmit,                       distribute, disseminate, sell, publish, broadcast or circulate                       any such material                             without the written permission of Busy Family Network™ or                             the appropriate affiliate.
 
 3. The Service contains information, facts and opinions                             from various sources. The service 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,                             other than those warranties                             which are imposed by and incapable of exclusion,                             Restriction or modification under the laws applicable                             to this agreement.                             Neither                             Busy Family Network™ nor                             its affiliates endorse or are responsible for the                             accuracy or reliability of any opinion, advice                             or statement                             on the                             Service.
 
 The information presented on our sites is for educational                             purposes only, and addresses only non-urgent questions                             of a general nature.                             If you have any concerns about your health or your                             child's health, please consult your family's health                             care provider immediately. None                             of the information presented on our sites should                             be considered a substitute for personal medical attention,                             diagnosis or treatment.
 
 4. The Service includes Interactive Forums which                             allow you and other users to post information, provide                             feedback, and interact in real-time.                             You agree not to post or transmit any unlawful, harmful,                             threatening, abusive, harassing, defamatory, vulgar,                             obscene, profane, hateful,                             racially, ethnically or otherwise objectionable material                             of any kind, including, but not limited to, any material                             which encourages conduct                             that would constitute a criminal offense, violate                             the rights of others, or otherwise violate any applicable                             local, state, national or international                             law. You will be responsible for, and indemnify and                             hold harmless Busy Family Network™,                             its subsidiaries, divisions, affiliates, agents and                             representatives against, any claim arising from any                             material that you post or transmit.
 
 Although Busy Family Network™ may                             occasionally monitor or review discussions, chats,                             postings, transmissions                             and                       bulletin boards on the Service,                             neither Busy Family Network™ nor                             its affiliates are under any obligation to do so.                             You acknowledge that Busy                       Family Network™ does                       not control the information available in the interactive                       forums and                       that any opinions, advice, statements, services, offers                       or other information or content                             presented or disseminated on any interactive forum                       are those of their respective authors who are solely liable                       for their content. Busy Family Network                             reserves the right, in their sole discretion, to                       edit, refuse to post or remove any material submitted to                       or posted on any interactive                             forum.
 5. Any communication                     or material you post or transmit to the Service is, and will                     be treated as, non-confidential and non-proprietary.                         You assume full responsibility for anything you post                     or transmit, and you grant Busy Family Network™ and                     its affiliates the right to edit,                         copy, publish and distribute any information or content                     you post or transmit for any purpose. If you voluntarily                     disclose personal                         information (e.g. e-mail address) on a bulletin board                     or in a chat room, that information can be collected and                     used by other parties                         and may result in unsolicited contact.
 6. NO ADVERTISEMENTS OR SOLICITATIONS MAY BE POSTED ON                         OUR SITES without prior written approval. Further, chain                         letters,                         virus                         warnings, flames, pyramid schemes, and messages out of                         context, the purpose                         of which is solely to generate traffic to another site,                         may not be posted. Signature ("sig") files of 4 lines                         or less, appended to a topical post on a message board, are                         acceptable.                         We will charge                         $50 per advertisement posted on the boards without prior written                         permission. (Your message will also be deleted.) The full amount                         paid to us for such spamming will be donated to a charity of                         our choice.
 
 7. Your use of the Service is at your own risk. NEITHER                         Busy Family Network™ NOR                         ANY OF ITS SUBSIDIARIES, DIVISIONS, AFFILIATES,                 AGENTS, REPRESENTATIVES                         OR LICENSORS SHALL BE LIABLE TO YOU OR ANYONE ELSE FOR                 ANY LOSS OR INJURY OR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL,                 PUNITIVE                         OR SIMILAR DAMAGES ARISING OUT OF YOUR ACCESS OR USE                 OF, OR YOUR INABILITY TO ACCESS OR USE, THE SERVICE AND THE INFORMATION                 AVAILABLE                         ON THE SERVICE OR ARISING OUT OF ANY ACTION TAKEN IN                 RESPONSE TO OR AS A RESULT OF ANY INFORMATION AVAILABLE ON THE                 SERVICE. YOU HEREBY                         WAIVE ANY AND ALL CLAIMS AGAINST Busy Family Network™ AND                         ITS SUBSIDIARIES, DIVISIONS, AFFILIATES, AGENTS, REPRESENTATIVES                 AND LICENSORS ARISING                         OUT OF YOUR USE OF THE SERVICE AND THE INFORMATION AVAILABLE                 THEREON. Further, Busy Family Network™ and                 its affiliates do not review or monitor                         any web sites linked to the Service and are not responsible                 for the content of any such linked web sites. Your linking to                 such web sites                 is at your own risk.
 
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