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In the course of our doing business together, we may provide you with a User Name and Password in order for you to access certain non-public content areas of our website.

This is done to share information with you in an efficient manner, but please remember that the granting of access credentials does not transfer any rights to you and that these credentials along with the right to visit password-protected content areas can be expired or revoked at any time and at our sole discretion.

In order to provide safer and more reliable service, requires that all ChatRoom participants obtain a User Name and Password and log-into the system using these credentials.

For your privacy, it is still possible to use a "nickname" while in the ChatRoom, but the ChatRoom Moderator will have a participant list.

Please note that reserves the right at its sole discretion to withhold access from anyone who uses profane or abusive language or otherwise misuses the Chat system or any other services provided by

If you have any comments, questions, or suggestions, please contact us by visiting the Feedback page. If you prefer, you can also:

Security Tips
Guard your Social Security Number! Never use it — or any portion of it — for a User Name or Password.

Request an Alternative Identifier when organizations that you do business with use Social Security Numbers for account identification.

The best passwords are a minimum of 8 characters; include random letters and numbers; and when possible include alternate characters including punctuation and other symbols.

Change your passwords often, and ideally at random intervals.

Out of clutter find simplicity. From discord find harmony. In the middle of difficulty lies opportunity.  Albert Einstein

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