Wow! You actually came to this page. Someone legally inclined suggested we include this and made us use an actual link to get you here. We looked at what should go up here, checked out a couple other places, then translated the legalese into relatively readable English. So, read the stuff on this page.

Here's the deal:

This site exists to provide users with personal information, education, communication, and perhaps even entertainment. Go ahead and browse around all you like. You can download stuff from the site, but only for non-commercial, personal use. If you do, though, don't fool around with copyright and other notices on the site; they're there for good reasons. Please don't distribute, modify, transmit, reuse, repost, or do anything else uncool with any part of the site. That includes using the text or images for public or commercial purposes unless we give you written permission.

Any claim relating to the use of this site and the materials contained herein is governed by the laws of the State of Colorado. You consent to the exclusive jurisdiction of the state and federal courts located in Denver, CO.

If you visit the site, you're legally obligated to the terms and conditions listed below and any other law or regulation that applies to the site, the Internet, or the World Wide Web. You shouldn't access or browse the site if you have any problem with that, because once you start, there's no turning back - you are bound by the terms and conditions.

So here's the scoop on the Top Ten Rules for people who hang out on the site:

1. For everyone's sake, just assume that everything on the site is copyrighted unless we say otherwise. You can't use it except in the way it says you can on this page or anywhere else on the site without written permission.
   
2. We try to include accurate stuff on the site, but we're not promising you it's accurate; if you use stuff (files, text, or advice) on or from the site, you're using it at your own risk. We assume no liability or responsibility for errors or omissions.
   
3. We and anyone else who helped us create, produce, or deliver the site are not liable for any damages you may suffer when you use it. In particular, let's be very technical: this disclaimer includes "direct, incidental, consequential, indirect, or punitive damages arising out of your access to, or use of, the site. Without limiting the foregoing, everything on the site is provided to you 'AS IS' WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON INFRINGEMENT. We do not warrant that the functions contained in the materials will be uninterrupted or error-free, that defects will be corrected, or that this site or the server that makes it available are free of viruses or other harmful components. Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. Check your local laws for any restrictions or limitations regarding the exclusion of implied warranties."  There's simply no other way to say it that's legally acceptable. Here's the bottom line - we're not responsible if you're browsing around and the site damages you or your computer or infects it with any nasty viruses. We hope that doesn't happen, but if it does, we are not responsible.
   
4. If you don't want the world to know something, don't post it on the site or email it to any ktliterary.com address. Anything you disclose is ours. That's right - ours. We can do anything we want with the stuff; reproduce it, disclose it, transmit it, publish it, broadcast it, and post it someplace else. Not only that, we can even use any ideas, concepts, know-how, or techniques you post or send in any way we want, including developing and marketing products or other stuff using the information. (Due to the nature of this site, this is obviously subject to any personal contracts we have with our clients.)
   
5. Don't be stupid by: posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, nasty, mean, or profane material or any material that law enforcement types may consider a criminal offense; getting someone in court on a civil lawsuit, or for that matter violating any law - anywhere, anytime. We certainly respect your privacy, but we have no choice but to fully cooperate with any law enforcement authorities or court which might ask us who sent nasty stuff to the site.
   
6. Files on the site are either our property or someone else's property we're using with permission. No matter what, it's definitely not your property. You can't use it unless we say you can on this page or somewhere else on the site. Unauthorized use may violate all sorts of nasty laws. Be smart; keep the stuff you download to yourself.
   
7. There's also trademarks, logos, and service marks on the site that either we own or we're using with someone else's permission. You do not have any kind of license or right to use them. If you mess with the trademarks, logos, and service marks on the site, we'll go ballistic (so will the companies that own the other trademarks, logos, and service marks). That means that we're likely to sue you or to ask my lawyer to come after you for messing around with my property or the property of others.
   
8. You'll probably notice we've provided links to lots of other sites. This doesn't mean we've looked at all those sites, much less checked them out periodically to see what's going on, so don't blame us if some site we've linked to is bad or has stuff on it that offends you or your pets. Go ahead and click, but remember, you're doing it at your own risk.
   
9. Software that we use on this site is protected by all sorts of patriotic U.S. laws. Because of that, you can't download or send the software to anyone in the vacation travel spots of: Cuba, Iraq, Libya, North Korea, Iran, Syria, or any other country where the United States has embargoed goods; or (get this) to anyone on the United States Treasury Department's Table of Deny Orders. As if that isn't tough enough, if you live in or are a national of any of those lovely places, you're not even supposed to be reading this page, so beat it!
   
10. We're also allowed to change this page and anything else on the site any time we want to. That's because it's ours and we know enough about web pages to do it. If we do change the page, you're bound by those changes, too, whenever you visit.