Terms of Use

The materials contained on this website have been prepared by or on behalf of HOC. The contents of this website are for informational purposes only and can only be used for private, non-commercial use. Contents found on the website may be downloaded, provided that all copyright and other notices are applicable and compliant. Replicating or storing of any content on this website for use other than private, non-commercial use is prohibited without prior written permission from HOC or the copyright holder identified in the individual contents copyright notice.

HOC does not represent or endorse the accuracy or reliability of any advice, opinion, statement, or other information displayed or distributed through the HOC Web Site. HOC reserves the right, in its sole discretion, to correct any errors or omissions in any portion of the HOC website.

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