For those who wonder about such things, or maybe just need to fall asleep by reading lots of fine print, this is where we stash it all.

terms and conditions of use

This web site is maintained by for your personal information, enrichment, and enjoyment.  Please remember that your access to the web site is subject to the following terms, conditions, and notices (the "Terms"), as well as all applicable laws.  By accessing and using the site, you accept the Terms without limitation or qualification. may at any time revise these Terms by updating this posting.  You are bound by such revisions and should therefore visit this page to review the current Terms from time to time. reserves the right, without notice and for any reason, to remove any content on this site, and to deny access of any user or users to all or any part of this site.

You may not distribute, modify, transmit, use, or reuse any of the contents of the  site for any public or commercial purpose without the written consent of  or any third party  deems necessary.  Because owns this site and its contents and can control access to it, you agree not to create any kind of hyperlink from any other site to the web site unless you first obtain's written permission. 

You should assume everything on the site is copyrighted unless otherwise noted and may not be used except as provided in the Terms or with the express written consent of or any third party we deem necessary. neither warrants nor represents that your use of the material displayed on the  site will not infringe rights of third parties.  Images of people or places displayed on the site are either the property of, or used with permission by,  Use of these images by you or other third parties is prohibited unless expressly permitted in the Terms or elsewhere on the site.  Any unauthorized use of these images may violate copyright laws, trademark laws, the laws of privacy and publicity, and other applicable regulations and statutes. 

NONDISCRIMINATION POLICY will not discriminate on the basis of race, religion, gender, age, color, creed, sexual orientation, national origin, citizenship, ancestry, disability, medical condition, marital or veteran status, or any other classification protected by applicable law.

LINKS has not reviewed all of the sites which are linked to the site, and the existence of such links does not indicate our approval or endorsement of any material contained on any linked site. is not responsible for the contents of any site linked to the  site; your connection to any such linked site is at your own risk.  Because owns this site and its contents and can control access to it, you agree not to create any kind of hyperlink from any other site to the web site unless you first obtain's written permission. 

Apart from your personal information (which is addressed in the Privacy Policy), any and all communications or materials you send to the site, electronically or otherwise, including but not limited to data, questions, comments, suggestions, or submissions, are and will be treated as confidential and proprietary.  By using this site, you may submit, or may gather, certain limited information about you and your usage of the site.  Subject to the terms of the Privacy Policy, is free to use such information for any purpose it deems appropriate. 

AVAILABILITY OF PRODUCT operates and controls the  site from its headquarters in Florida and operates under their state laws.  By providing materials and products on our web site does not in any way promise that the materials or products will remain available to you.

The trademarks, logos, and service marks (the "Trademarks") displayed on the site are the property of  and other parties and may be registered and unregistered Trademarks of and others. Nothing contained on the  site should be construed as granting by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on the site without the written permission of or such third party that may own the Trademark.  Misuse of any Trademarks, or any other content, displayed on the site is prohibited. reserves the right to enforce its intellectual property rights through civil and criminal proceedings. 

At, maintaining your trust and confidence is our top priority. We do not share or rent information about you. We do not share information about you outside the network of Advisors. We restrict access to your information to those Advisors who need such information in order to provide products or services to you. is committed to honoring the privacy of the users of the web site, which includes any personally identifiable information. will utilize any information collected to better understand its users' needs and provide better service. In addition, will use the information it gathers to improve the content of the web site. If any personally identifiable information has been volunteered, may utilize that information to notify users about updates to the web site and/or contact users for marketing purposes. The information that is personally identifiable will not be shared with or sold to any other organizations for commercial purposes. If the user supplies a telephone number online, they may be contacted by regarding orders placed online. In an effort to improve service to you, non-volunteered information might be collected automatically when visiting the web site, such as: The referrer (the site prior to entering the web site), the IP address of the workstation, date and time logged in and out, pages visited while on our site, time spent on each page, files downloaded, criteria used when searching.

While uses reasonable efforts to include accurate and up-to-date information on the web site, makes no warranties or representations as to its accuracy. may periodically add, change, or improve any of the information, products, services, programs, and technology described on the site without notice.  There is no warranty that any information or service provided or referenced by this site is either merchantable or accurate, that such information or service will fulfill any of your particular purposes or needs, or that such information or service does not infringe on any third party rights.  Except for any express warranties stated on this site, if any, the information and services provided or referenced on this site are provided "as is" and with all faults, and the entire risk as to satisfactory quality, performance, accuracy and effort is with the user. assumes no liability or responsibility for any errors or omissions in the content of the site or for the actions of its Advisors, all of which operate as independent contractors.  In fact, your use of the site and any of its services is at your own risk.  Neither nor any other party involved in creating, producing, or delivering the site is liable for any direct, indirect, incidental, consequential, or punitive damages arising out of your access to, or use of, the site or services.  For example, assumes no responsibility for, and will not be liable for, any damages from any viruses which may affect your computer equipment or other property on account of your access to, use of, or downloading from, the site.  Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you.  Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice, or other content. 

The information, products, and services published on this web site may include inaccuracies or typographical errors. Changes are periodically added to the information herein.  and/or its respective suppliers may make improvements and/or changes in the site, products, or services at any time.  and/or its respective suppliers make no representations about the suitability of the information, products, and services contained on this web site for any purpose.  In no event shall  and/or its suppliers be liable for any direct, indirect, punitive, incidental, special, or consequential damages arising out of or in any way connected with the use of the site or with the delay or inability to use the site, or for any information, products, and services obtained through the site, or otherwise arising out of the use of this web site, whether based on contract, tort, strict liability, or otherwise, even if or any of its suppliers has been advised of the possibility of damages.  Because some states/jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. 

The Terms will be governed by and construed under the laws of the State of Florida, excluding only its conflict of law provisions.  Each party to the site Terms hereby submits to the exclusive jurisdiction and venue of the courts within the State of Florida, U.S.A. and waives any jurisdictional venue or inconvenient forum objections to such courts.  Use of the site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph.  Any failure by to enforce any of its rights under the Terms or applicable laws shall not constitute a waiver of such right.  If any provision of the Terms is found by a court of competent jurisdiction to be invalid, you,, and the court shall endeavor to give effect to the intent reflected in that provision, and the remaining Terms provisions shall retain their full force and effect.  You agree that no joint venture, partnership, employment, or agency relationship exists between you and as a result of this agreement or use of the site.'s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of's right to comply with law enforcement requests or requirements relating to your use of the site or information provided to or gathered by with respect to such use.  If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect.  This agreement constitutes the entire agreement between the user and with respect to this web site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and with respect to this web site.  A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent and subject to the same conditions as other business documents and records originally generated and maintained in printed form.  Any rights not expressly granted herein are reserved.  Please also read over the site Privacy Policy.