Payment Terms
Payment is due before the ad is published. No cash discount is given. In the event the advertiser or its agency fails to make payment for advertising, the advertiser agrees to pay all costs of collection thereof, including reasonable attorney's fees, and waives the privileges of venue in any suit for collection which may be brought by the publisher.

Contract Terms
Contract space must be used completely within one year of the first insertion. Frequency rates apply for space used within one calendar year of the first insertion. Spreads count as two single pages and may be used to obtain multiple page frequency discounts.

Written insertion orders are required for each ad and must be received before the closing date. Cancellations must be received in writing prior to the closing date.

Advertisements are accepted upon the representation that advertiser and its agency have the right publish the content thereof. In consideration os such publication, advertiser and its agency agree to indemnify and hold publisher harmless against any expense or loss by reason of any claim arising out of publication.

All contents of advertisments are subject to publisher's approval. Publisher reserves the right to reject or cancel any advertisment, insertion order, space reservation, or position commitment at any time without cause. Publisher reserves the right to insert the word "Advertisement" above or below any copy. Proof of licensure or any other compliance with applicable regulation may be requested if a prerequisite to lawfully conducting business within our readership market.

The publisher shall not be liable for any costs or damages if any for any reason it fails to publish an advertisement. The publisher's liability for any error will not exceed the cost of the space occupied by the error or the erroneous ad.

Positioning of advertisements is at the discretion of the publisher, except where a request for a specific preferred position is accepted by the publisher in writing.

Publisher shall have the right to hold advertiser and/or its advertising agency jointly and severally liable for such monies as are due and payable to publisher for advertising which advertiser or its agent ordered and which advertising was published.

Rates are subject to change upon notice from the publisher. Should a change in rates be made, space reserved may be cancelled by the advertiser or its agency at the time the change becomes effective without incurring short-rate charges, provided the advertisements published to the date of cancellation are consistent with the appropriate frequency of volume rate. Cancellation of space reservations for any other reason in whole or part by the advertiser will result in an adjustment of the rate (short-rate) based upon past and subsequent insertions to reflect actual space used at the earned frequency or volume rate.

Conditions other than rates are subject to change by the publisher without notice.

No condition other than those set forth in this rate card shall be binding on the publisher unless specifically agreed to in writing by the publisher. Publisher will not be bound by conditions printed or appearing on order blanks or copy.