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TERMS OF USE CHRISTIAN STEWARDSHIP MINISTRIES WEBSITE TERMS OF USE AND LEGAL RESTRICTIONS Life Management Study (LMS) Program It's About Time! by Ken Smith These terms of Use and Legal restrictions ("Terms") govern your use of this Web Site, and your downloading and use of the on-line version of It's About Time!. Using this Web Site indicates that you accept these Terms. If you do not read these Terms or accept these Terms, do not use this Web Site. All contents are Copyright © 1992 by Christian Stewardship Ministries. All rights reserved. 1. Use of Site The following Terms apply to all visitors to or Users of this Web Site. Christian Stewardship Ministries ("CSM") reserves the right to change these Terms and/or its Web Site from time to time at its sole discretion without notice. In the case of any violation of these Terms, CSM reserves the right to seek all remedies available by law and in equity for such violations. 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