This site (the "Site") is available for your use by Dr. Robert Lum and Intrepid Technology Inc. subject to the terms and conditions of this agreement (the "Agreement"). By continuing to use the site, you are indicating your agreement to be bound by the terms of this agreement. if you do not agree, you should immediately discontinue your use of the site.

The Site includes facts, views, opinions and recommendations of individuals and organizations deemed of interest. Neither Dr. Robert Lum or Intrepid Technology Inc. guarantees the accuracy, completeness or timeliness of, or otherwise endorses, these views, opinions or recommendations, gives investment advice, or advocates the purchase or sale of any security or investment.

Dr. Robert Lum and Intrepid Technology Inc. expressly disclaim all warranties of any kind, express or implied, including without limitation any warranty of merchantability, fitness for a particular purpose or non-infringement.

Neither Dr. Robert Lum nor Intrepid Technology Inc. its parents, members, subsidiaries, affiliates, service providers, licensors, officers, directors or employees shall be liable for any direct, indirect, incidental, special or consequential damages arising out of or relating to this agreement or resulting from the use or the inability to use the site, including but not limited to damages for loss of profits, use, data or other intangible damages, even if such party has been advised of the possibility of such damages.

Any of the web pages and applications associated with "Robert's Online Applications!" may be freely copied, modified and distributed conditional that proper credit be given to the original author and copyright holder, Dr. Robert Lum.