Terms of service 
        
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                The  following Terms of Service ("TOS") govern the
                
                    PhDFocus™
                
                provision of service to  you. The TOS may be updated by us from time to
                time without notice to you. In addition to the terms found at the preceding URL, when using particular
                PhDFocus™ owned or operated services, you and PhDFocus™ shall be subject to any posted guidelines or rules
                applicable to such services, which may be posted from time to time. All such guidelines or rules are
                hereby incorporated by reference into the TOS. PhDFocus™ may also offer other services that are governed by
                different Terms of Service.
            
- DESCRIPTION  OF SERVICE
 PhDFocus™ provides users
                with access  to a rich collection of resources, including various communications tools,  document
                processing tools and web publishing tools. You understand and agree that the Service may include
                advertisements and that these advertisements are necessary for PhDFocus™ to provide the Service. You
                also understand and agree that the Service may include certain communications from PhDFocus™, such as
                service announcements, administrative messages and that these communications are considered part of
                PhDFocus™ membership. As much as is reasonably practicable, we will try to make sure that you can opt out
                of receiving messages: one example of a situation where we would write to you would be to announce a
                planned interruption in your service. Unless explicitly stated otherwise, any new features that
                augments or enhances the current Service, including the release of new PhDFocus™ properties, shall be
                subject to the TOS. You understand and agree that the Service is provided "AS-IS" and that PhDFocus™
                assumes no responsibility for the timeliness, deletion, mis-delivery or failure to store any user
                communications or personalization settings. You are responsible for obtaining access to the Service,
                and that access may involve third-party fees (such as Internet service provider or airtime charges).
                You are responsible for those fees, including those fees associated with the display or delivery of
                advertisements. In addition, you must provide and are responsible for all equipment necessary to access
                the Service.
- YOUR  OBLIGATIONS IN CREATING AN ACCOUNT
 In consideration of your use of the Service, you
                represent that you are of  legal age to form a binding contract and are not a person barred from
                receiving  services under the laws of your domicile country or other applicable  jurisdiction.
                You also agree to: (a) provide true, accurate, current and complete information about yourself as
                prompted by the Service's registration forms (the "Registration Data") and (b) maintain and promptly
                intimate the Editor to update the Registration Data to keep it true, accurate, current and complete.
                If you provide any information that is untrue, inaccurate, not current or incomplete, or PhDFocus™ has
                reasonable grounds to suspect that such information is untrue, inaccurate, not current or incomplete,
                PhDFocus™ has the right to suspend or terminate your account and refuse any and all current or future use
                of the Service (or any portion thereof).
- PhDFocus™  PRIVACY POLICY
 Account Data and certain other information about you is subject to our
                Privacy  Policy. For more information, see our full privacy policy.
                You understand that through your
                use of the  Service you consent to the collection and use (as set forth in the Privacy  Policy) of
                this information, including the transfer of this information to the  government for storage, processing
                and use by PhDFocus™ and its affiliates.
- MEMBERS  CONDUCT
 You understand that all information, data, text, software, music, sound,
                photographs, graphics, video, messages, tags, or other materials  ("Content"), whether publicly
                posted or privately transmitted, are  the sole responsibility of the person from whom such Content
                originated. This means that you, and not PhDFocus™, are entirely responsible for all Content that you
                upload, post, email, transmit or otherwise make available via the Service. PhDFocus™ does not control
                the Content posted via the Service and, as such, does not guarantee the accuracy, integrity or quality
                of such Content. You understand that by using the Service, you may be exposed to Content that is
                offensive, indecent or objectionable. Under no circumstances will PhDFocus™ be liable in any way for any
                Content, including, but not limited to, any errors or omissions in  any Content, or any loss or damage
                of any kind incurred as a result of the use  of any Content posted, emailed, transmitted or otherwise
                made available via the  Service.
 
 You agree to not use the Service to:
 
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                        upload,  post, email, transmit or otherwise make available any Content that is unlawful,
                        harmful, threatening, abusive, harassing, tortuous, defamatory, vulgar,  obscene, libelous,
                        invasive of another's privacy, hateful, or racially,  ethnically or otherwise objectionable;
                    
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                        harm  minors in any way;
                    
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                        impersonate  any person or entity, including, but not limited to, a PhDFocus™ official, forum
                        leader, guide or host, or falsely state or otherwise misrepresent your  affiliation with a
                        person or entity;
                    
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                        forge  headers or otherwise manipulate identifiers in order to disguise the origin of
                        any Content transmitted through the Service;
                    
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                        upload,  post, email, transmit or otherwise make available any Content that you do not  have
                        a right to make available under any law or under contractual or fiduciary  relationships
                        (such as inside information, proprietary and confidential  information learned or disclosed as
                        part of employment relationships or under  nondisclosure agreements);
                    
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                        upload,  post, email, transmit or otherwise make available any Content that infringes  any
                        patent, trademark, trade secret, copyright or other proprietary rights  ("Rights") of any
                        party;
                    
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                        upload,  post, email, transmit or otherwise make available any unsolicited or  unauthorized
                        advertising, promotional materials, "junk mail,"  "spam," "chain letters," "pyramid schemes,"
                        or  any other form of solicitation, except in those areas (such as shopping) that  are
                        designated for such purpose;
                    
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                        upload,  post, email, transmit or otherwise make available any material that contains
                        software viruses or any other computer code, files or programs designed to  interrupt,
                        destroy or limit the functionality of any computer software or  hardware or telecommunications
                        equipment;
                    
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                        interfere  with or disrupt the Service or servers or networks connected to the Service, or
                        disobey any requirements, procedures, policies or regulations of networks  connected to the
                        Service;
                    
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                        provide  material support or resources (or to conceal or disguise the nature, location,
                        source, or ownership of material support or resources) to any organization(s)  designated by
                        the governments as a foreign terrorist organization pursuant to section  219 of the Immigration
                        and Nationality Act;
                    
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                        "stalk"  or otherwise harass another; and/or
                    
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                        collect or  store personal data about other users in connection with the prohibited
                        conduct  and activities set forth in paragraphs above.
                    
 
            You acknowledge that PhDFocus™  may or may not pre-screen Content, but that PhDFocus™ and its designees shall have
            the right (but not the obligation) in their sole discretion to pre-screen,  refuse, or move any Content
            that is available via the Service. Without limiting the foregoing, PhDFocus™ and its designees shall have the
            right to remove any Content that violates the TOS or is otherwise objectionable. You agree that you must
            evaluate, and bear all risks associated with, the use of any Content, including any reliance on the
            accuracy, completeness, or usefulness of such Content. In this regard, you acknowledge that you may not
            rely on any Content  created by PhDFocus™ or submitted to PhDFocus™, including without limitation  information in
            PhDFocus™ Message Boards and in all other parts of the Service.
 
            You acknowledge, consent and agree
            that PhDFocus™ may access, preserve and disclose  your Content if required to do so by law or in a good faith
            belief that such  access preservation or disclosure is reasonably necessary to:
            (a) comply with  legal process;
            (b) enforce the TOS;
            (c) respond to claims that any Content
            violates the rights of third parties;
            (d) respond to your requests for customer  service; or
            (e) protect the rights, property or personal safety of PhDFocus™, its  users and the public.
 
            You understand that the technical processing and transmission of the Service,  including your Content,
            may involve (a) transmissions over various networks;  and (b) changes to conform and adapt to technical
            requirements of connecting  networks or devices.
 
            You understand that the Service and software
            embodied within the Service may  include security components that permit digital materials to be protected,
            and  that use of these materials is subject to usage rules set by PhDFocus™ and/or  content providers who
            provide content to the Service. You may not attempt to override or circumvent any of the usage rules
            embedded into the Service. Any  unauthorized reproduction, publication, further distribution or public
            exhibition of the materials provided on the Service, in whole or in part, is  strictly prohibited.
        
        
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                INTERSTATE NATURE OF COMMUNICATIONS ON PhDFocus™ NETWORK
 When you register with PhDFocus™, you acknowledge
                that in using PhDFocus™ services to send electronic communications (including but not limited to email,
                search queries, uploading photos and files to PhDFocus™, and other Internet activities), you will be
                causing communications to be sent through PhDFocus™'s computer networks, which are located in USA as of
                this writing. As a result, and also as  a result of PhDFocus™’s network architecture and business practices
                and the nature  of electronic communications, even communications that seem to be intrastate in  nature
                can result in the transmission of interstate communications regardless  of where you are physically
                located at the time of transmission. Accordingly, by agreeing to this Terms of Service, you acknowledge
                that use of the service results in interstate data transmissions.
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                SPECIAL  ADMONITIONS FOR INTERNATIONAL USE
 Recognizing the global nature of the Internet, you
                agree to comply with all  local rules regarding online conduct and acceptable Content. Specifically,
                you agree to comply with all applicable laws regarding the transmission of technical data exported
                from the country in which you reside.
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                CONTENT  SUBMITTED OR MADE AVAILABLE FOR INCLUSION ON THE SERVICE
 PhDFocus™ does not claim ownership of Content you submit or make available for  inclusion on the Service.
                However, with respect to Content you submit or make  available for inclusion on publicly accessible
                areas of the Service, you grant  PhDFocus™ the worldwide, perpetual, royalty-free and non-exclusive
                license(s) to  use, distribute for use, reproduce, modify, adapt, publicly perform and  publicly
                display such Content on the Service.
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                INDEMNITY
 You agree to indemnify and hold PhDFocus™ and its subsidiaries, affiliates,  officers,
                agents, employees, partners and licensors harmless from any claim or  demand, including reasonable
                attorneys' fees, made by any third party due to or  arising out of Content you submit, post, transmit
                or otherwise make available  through the Service, your use of the Service, your connection to the
                Service,  your violation of the TOS, or your violation of any rights of another.
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                NO RESALE OF SERVICE
 You agree not to reproduce, duplicate, copy, sell, trade, resell or
                exploit for  any commercial purposes, any portion of the Service (including your PhDFocus™ login
                information), use of the Service, or access to the Service.
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                GENERAL PRACTICES REGARDING USE AND STORAGE
 You acknowledge that PhDFocus™ may establish general
                practices and limits  concerning use of the Service, including without limitation the maximum number of
                days that email messages, message board postings or other uploaded Content  will be retained by the
                Service, the maximum disk space that will be allotted  on PhDFocus™'s servers on your behalf, and the maximum
                number of times (and the  maximum duration for which) you may access the Service in a given period of
                time. You agree that PhDFocus™ has no responsibility or liability for the deletion or failure to store any
                messages and other communications or other Content maintained or transmitted by the Service. You
                further acknowledge that PhDFocus™ reserves the right to modify these general practices and limits from
                time to time.
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                MODIFICATIONS TO SERVICE
 PhDFocus™ reserves the right at any time and from time to time to modify or
                discontinue, temporarily or permanently, the Service (or any part thereof) with  or without notice.
                You agree that PhDFocus™ shall not be liable to you or to any third party for any modification, suspension
                or discontinuance of the Service.
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                TERMINATION
 You agree that PhDFocus™ may, under certain circumstances and without prior notice,
                immediately terminate your access to the Service. Cause for such termination  shall include, but
                not be limited to,
                (a) breaches or violations of the TOS or  other incorporated agreements or
                guidelines,
                (b) requests by law enforcement or  other government agencies,
                (c) a request by you,
                (d) discontinuance or material  modification to the Service (or any part thereof),
                (e) unexpected technical or  security issues or problems,
                (f) extended periods of inactivity,
                (g) engagement  by you in fraudulent or illegal activities, and/or
                (h) nonpayment of any fees  owed by you in connection with the Services. Further, you agree that all
                terminations for cause shall be made in PhDFocus™'s sole discretion and that PhDFocus™ shall not be liable to
                you or any third party for any termination of your account, any associated email address, or access to
                the Service.
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                DEALINGS WITH ADVERTISERS
 Your correspondence or business dealings with, or participation
                in promotions  of, advertisers found on or through the Service, including payment and delivery
                of related goods or services, and any other terms, conditions, warranties or  representations
                associated with such dealings, are solely between you and such  advertiser. You agree that PhDFocus™
                shall not be responsible or liable for any loss or damage of any sort incurred as the result of
                any such dealings or as the result of the presence of such advertisers on the Service.
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                LINKS
 The Service may provide, or third parties may provide, links to other World  Wide
                Web sites or resources. Because PhDFocus™ has no control over such sites and  resources, you acknowledge
                and agree that PhDFocus™ is not responsible for the  availability of such external sites or resources, and
                does not endorse and is  not responsible or liable for any Content, advertising, products or other
                materials on or available from such sites or resources. You further acknowledge and agree that PhDFocus™
                shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged
                to be caused by or in connection with use of or reliance on any such Content, goods or services
                available on or through any such site or resource.
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                PhDFocus™'S PROPRIETARY RIGHTS
 You acknowledge and agree that the Service and any necessary software
                used in  connection with the Service ("Software") contain proprietary and  confidential information
                that is protected by applicable intellectual property  and other laws. You further acknowledge and
                agree that Content contained in sponsor advertisements or information presented to you through the
                Service or by advertisers is protected by copyrights, trademarks, service marks, patents or other
                proprietary rights and laws. Except as expressly authorized by PhDFocus™  or advertisers, you agree not to
                modify, rent, lease, loan, sell, distribute or  create derivative works based on the Service or the
                Software, in whole or in  part.
 
 PhDFocus™ grants you a personal, non-transferable and
                non-exclusive right and  license to use the object code of its Software on a single computer;
                provided  that you do not (and do not allow any third party to) copy, modify, create a  derivative
                work from, reverse engineer, reverse assemble or otherwise attempt  to discover any source code,
                sell, assign, sublicense, grant a security interest  in or otherwise transfer any right in the
                Software. You agree neither to modify the Software in any manner or form, nor to use modified
                versions of the Software, including (without limitation) for the purpose of obtaining unauthorized
                access to the Service. You agree not to access the Service by any means other than through the
                interface that is provided by PhDFocus™ for use in accessing the Service.
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                DISCLAIMER OF WARRANTIES
 YOU EXPRESSLY UNDERSTAND AND AGREE THAT:
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                        YOUR USE  OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN "AS IS"
                        AND "AS AVAILABLE" BASIS. PhDFocus™ AND ITS SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES,
                        AGENTS, PARTNERS AND LICENSORS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS
                        OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS
                        FOR A
                        PARTICULAR PURPOSE AND NON-INFRINGEMENT.
                    
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                        PhDFocus™ AND  ITS SUBSIDIARIES, AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, PARTNERS AND
                        LICENSORS MAKE NO
                        WARRANTY THAT (i) THE SERVICE WILL MEET YOUR REQUIREMENTS;  (ii) THE SERVICE WILL BE
                        UNINTERRUPTED,
                        TIMELY, SECURE OR ERROR-FREE; (iii) THE  RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE
                        SERVICE WILL
                        BE ACCURATE OR  RELIABLE; (iv) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION OR OTHER
                        MATERIAL
                        PURCHASED OR OBTAINED BY YOU THROUGH THE SERVICE WILL MEET YOUR  EXPECTATIONS; AND (v) ANY
                        ERRORS IN
                        THE SOFTWARE WILL BE CORRECTED.
                    
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                        ANY  MATERIAL DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS  ACCESSED AT
                        YOUR OWN
                        DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE  FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM
                        OR LOSS
                        OF DATA THAT RESULTS FROM THE  DOWNLOAD OF ANY SUCH MATERIAL.
                    
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                        NO ADVICE  OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM PhDFocus™ OR THROUGH
                        OR FROM THE
                        SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THE TOS.
                    
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                        A SMALL  PERCENTAGE OF USERS MAY EXPERIENCE EPILEPTIC SEIZURES WHEN EXPOSED TO CERTAIN  LIGHT
                        PATTERNS
                        OR BACKGROUNDS ON A COMPUTER SCREEN OR WHILE USING THE SERVICE. CERTAIN CONDITIONS MAY INDUCE
                        PREVIOUSLY UNDETECTED EPILEPTIC SYMPTOMS EVEN IN USERS WHO HAVE NO HISTORY OF PRIOR SEIZURES OR
                        EPILEPSY. IF YOU, OR ANYONE IN YOUR FAMILY, HAVE AN EPILEPTIC CONDITION, CONSULT YOUR PHYSICIAN
                        PRIOR TO USING THE SERVICE. IMMEDIATELY DISCONTINUE USE OF THE SERVICE AND CONSULT YOUR
                        PHYSICIAN
                        IF YOU EXPERIENCE ANY OF THE FOLLOWING SYMPTOMS WHILE USING THE SERVICE:  DIZZINESS, ALTERED
                        VISION,
                        EYE OR MUSCLE TWITCHES, LOSS OF AWARENESS, DISORIENTATION, ANY INVOLUNTARY MOVEMENT, OR
                        CONVULSIONS.
                    
 
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                LIMITATION OF LIABILITY
 YOU EXPRESSLY UNDERSTAND AND AGREE THAT PhDFocus™ AND ITS SUBSIDIARIES,
                AFFILIATES,  OFFICERS, EMPLOYEES, AGENTS, PARTNERS AND LICENSORS SHALL NOT BE LIABLE TO YOU  FOR
                ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY  DAMAGES, INCLUDING, BUT NOT
                LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL,  USE, DATA OR OTHER INTANGIBLE LOSSES (EVEN IF
                PhDFocus™ HAS BEEN ADVISED OF THE  POSSIBILITY OF SUCH DAMAGES), RESULTING FROM: (i) THE USE OR THE
                INABILITY TO  USE THE SERVICE; (ii) THE COST OF PROCUREMENT OF SUBSTITUTE GOODS AND SERVICES
                RESULTING FROM ANY GOODS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED  OR MESSAGES RECEIVED
                OR TRANSACTIONS ENTERED INTO THROUGH OR FROM THE SERVICE;  (iii) UNAUTHORIZED ACCESS TO OR ALTERATION
                OF YOUR TRANSMISSIONS OR DATA; (iv)  STATEMENTS OR CONDUCT OF ANY THIRD PARTY ON THE SERVICE; OR (v)
                ANY OTHER  MATTER RELATING TO THE SERVICE.
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                EXCLUSIONS AND LIMITATIONS
 SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES
                OR THE  LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY,
                SOME OF THE ABOVE LIMITATIONS OF SECTIONS 17 AND 18 MAY NOT APPLY TO YOU.
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                SPECIAL ADMONITION FOR SERVICES RELATING TO  FINANCIAL MATTERS
 If you intend to use any
                information or misinformation found in the course of  your use of our Service, reread 18 and 19
                again. They go doubly for you. In addition, for this type of information particularly, the phrase
                "Let the investor beware" is apt. The Service is provided for informational purposes only, and no
                Content included in the Service is intended for trading or investing purposes. PhDFocus™ and its licensors
                shall not be responsible or liable for the accuracy, usefulness or availability of any information
                transmitted or made available via the Service, and shall not be responsible or liable for any trading
                or investment decisions based on such information.
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                NO THIRD-PARTY BENEFICIARIES
 You agree that, except as otherwise expressly provided in this TOS,
                there shall  be no third-party beneficiaries to this agreement.
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                NOTICE
 PhDFocus™ may provide you with notices, including those regarding changes to the  TOS, by
                email, regular mail or postings on the Service.
- TRADEMARK INFORMATION
 PhDFocus™ trademarks include “PhDFocus™”, Selected Works, and other PhDFocus™ logos and product and
                service names are trademarks of
                PhDFocus™ (the "PhDFocus™ Marks"). Without PhDFocus™’s prior permission, you agree not to display or use in any
                manner the PhDFocus™ Marks.
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                USERS OF PhDFocus™ SOFTWARE AND SERVICES AGREE THAT  THEY WILL NOT VIOLATE ANY LAWS INCLUDING COPYRIGHT
                LAWS IN THE COURSE OF USING  PhDFocus™ SOFTWARE AND SERVICES AND THAT THEY ARE SOLELY RESPONSIBLE FOR NOT
                UPLOADING FILES TO WHICH THEY DO NOT HAVE THE COPYRIGHT OR THE PERMISSION TO DO  SO FROM THE COPYRIGHT
                HOLDER.
            
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                NOTICE AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT OR INTELLECTUAL PROPERTY INFRINGEMENT
 If you believe your copyright has been infringed by someone using an PhDFocus™ service or by PhDFocus™,
                please report the same to phdfocus@fcsresearch.org.
Permissions
            If you are seeking permission to use PhDFocus™ Content, trademarks, logos, service  marks,
            trade dress, slogans, screen shots, copyrighted designs, or other brand  features, please contact at
            phdfocus@fcsresearch.org.
        
         Effective Date: Feb 25th, 2010.