Copyright

All copyright, patent, intellectual and other property contained herein is held by Investor Risk Management Incorporated and shall continue to belong to Investor Risk Management Incorporated, without exception. No rights of any kind are licensed or assigned or shall otherwise pass to persons accessing this information. You may print, copy and download any information or portion of this Web site for your personal use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, frame, create derivative works from, transfer, or otherwise use in any other way for commercial or public purposes in whole or in part any information, software, products or services obtained from this Web site, except for the purposes expressly provided herein, without Investor Risk Management Incorporated's prior written approval. Unauthorized use of this Web site and or any Investor Risk Management Incorporated systems, including, but not limited to, unauthorized entry into Investor Risk Management Incorporated's systems, misuse of passwords or misuse of any other information, is strictly prohibited. You may not use this Web site in any manner that could damage, disable, overburden, or impair any Investor Risk Management Incorporated site or service or interfere with any other party's use and enjoyment of any Investor Risk Management Incorporated site or service. You may not attempt to gain unauthorized access to any Investor Risk Management Incorporated site or service, computer systems or networks connected to any Investor Risk Management Incorporated site or service, through hacking, password mining or any other means. You agree that you will not engage in any activities related to this Web site that are contrary to applicable laws or regulations.

Investor Risk Management Incorporated reserves the right, in its sole discretion, without any obligation and without any notice requirement, to change, improve or correct the information, materials and descriptions on this Web site and to suspend and/or deny access to this Web site for scheduled or unscheduled maintenance, upgrades, improvements or corrections. The information and materials on this Web site may contain typographical errors or inaccuracies. Any dated information is published as of its date only, and Investor Risk Management Incorporated does not undertake any obligation or responsibility to update or amend any such information. Investor Risk Management Incorporated may discontinue or change any product or service described in or offered on this Web site at any time.

Disclaimer of Warranty and Limitation of Liability

The information, products and services on this Web site are provided on an "AS IS," and "AS AVAILABLE" basis. Investor Risk Management Incorporated does not warrant the information or services provided herein or your use of this Web site generally, either expressly or impliedly, for any particular purpose and expressly disclaims any implied warranties, including but not limited to, warranties of title, non-infringement, merchantability or fitness for a particular purpose. Investor Risk Management Incorporated will not be responsible for any loss or damage that could result from interception by third parties of any information or services made available to you via this Web site. Although the information provided to you on this Web site is obtained or compiled from sources we believe to be reliable, Investor Risk Management Incorporated cannot and does not guarantee the accuracy, validity, timeliness or completeness of any information or data made available to you for any particular purpose. Neither Investor Risk Management Incorporated, nor any of its affiliates, directors, officers or employees, nor any third party vendor, will be liable or have any responsibility of any kind for any loss or damage that you incur in the event of any failure or interruption of this Web site, or resulting from the act or omission of any other party involved in making this Web site, the data contained herein or the products or services offered on this Web site available to you, or from any other cause relating to your access to, inability to access, or use of the Web site or these materials, whether or not the circumstances giving rise to such cause may have been within the control of Investor Risk Management Incorporated or of any vendor providing software or services. In no event will Investor Risk Management Incorporated or any such parties be liable to you, whether in contract or tort, for any direct, special, indirect, consequential or incidental damages or any other damages of any kind even if Investor Risk Management Incorporated or any other such party has been advised of the possibility thereof. This limitation on liability includes, but is not limited to, the transmission of any viruses which may infect a user's equipment, failure of mechanical or electronic equipment or communication lines, telephone or other interconnect problems (e.g., you cannot access your internet service provider), unauthorized access, theft, operator errors, strikes or other labor problems or any force majeure. Investor Risk Management Incorporated cannot and does not guarantee continuous, uninterrupted or secure access to the Web site.

Proprietary Rights

All right, title and interest in this Web site and any content contained herein is the exclusive property of Investor Risk Management Incorporated, except as otherwise stated. Unless otherwise specified, this Web site is for your personal and non-commercial use only and you may print, copy and download any information or portion of this Web site for your personal use only. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, frame, create derivative works from, transfer, or otherwise use in any other way for commercial or public purposes in whole or in part any information, software, products or services obtained from this Web site, except for the purposes expressly provided herein, without Investor Risk Management Incorporated's prior written approval. If you copy or download any information or software from this Web site, you agree that you will not remove or obscure any copyright or other notices or legends contained in any such information.

Trademarks, logos, and service marks displayed on this Web site (collectively the "Trademarks") are the trademarks of Investor Risk Management Incorporated or their respective third-party owners. Under no circumstances may you alter, modify, or change these Trademarks. You are prohibited from using the Trademarks for any purpose including, but not limited to use as metatags on other pages or sites on the World Wide Web without the written permission of Investor Risk Management Incorporated or such third party, which may own the Trademarks.

Links

This Web site contains links to third party Web sites. These links are provided only as a convenience. The inclusion of any link is not and does not imply an affiliation, sponsorship, endorsement, approval, investigation, verification or monitoring by Investor Risk Management Incorporated of any information contained in any third party Web site. In no event shall Investor Risk Management Incorporated be responsible for the information contained on that site or your use of or inability to use such site. You should also be aware that the terms and conditions of such site and the site's privacy policy may be different from those applicable to your use of this Web site.

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