Terms and Conditions

This Web site has been developed by and is the property of Advisor Services, LLC (“Advisor Services”). You acknowledge and agree that the tools and applications, data and other information, content (including its selection and arrangement), services and software (including all text, logos, photographs, graphics, images, video, audio, illustrations, software, html, source and object code, algorithms, business logic, modules, programs, links and other materials), product names, logos, designs and titles, in each case displayed on, transmitted through, or accessed or used on, within, or in connection with this Website (all of the foregoing, collectively, “Content”), are intellectual property protected by copyright, trademark or other proprietary rights of Advisor Services or its licensors, suppliers or other designees, which rights may or may not be registered in certain jurisdictions. You acknowledge and agree that Advisor Services reserves and retains, for itself and such third parties, as applicable, all intellectual property and other proprietary rights of any and all kinds in connection with the Content. All information found in the pages of this Web site is protected under the copyright laws of the United States of America and other countriesUnless otherwise specified, no person has permission to copy, redistribute, reproduce or republish in any form any information found on the pages in this Web site. This includes electronically reproducing by "uploading" or "downloading" or accessing onto the Internet or any other local or international computer system. Any infringement of Advisor Services’ rights will result in appropriate legal action.

Advisor Services. provides this website as an information service to its licensees, partners and other visitors. By using the site or copying materials from the site, you agree to abide by the terms and conditions set forth herein. Each access to and use of any Content by you indicates your continued acceptance of the Terms of Use. If you do not agree to abide by these terms and conditions, do not use the site or copy materials from the site and exit now.

You shall not: (a) access the Content (or any portion thereof) by any means other than through an interface that is provided by Advisor Services for such purpose; (b) resell use of, or access to, the Content to any third party; (c) adapt, translate, reverse-engineer, decompile or disassemble, in whole or in part, any Content; (d) except as otherwise specifically and expressly permitted copy, reproduce, duplicate, download, store, modify, publish, transmit, re-license, transfer or sell, reproduce, create derivative works from, distribute, perform, post, display, or in any way commercially use or exploit any of the Content, or any access thereto, in whole or in part; (e) install, upload, post or otherwise facilitate the introduction of a virus, worm, Trojan Horse, Easter egg, time bomb, spyware, or any other computer code, file, or similar program that is harmful, invasive or otherwise intended to damage or hijack the operation of any hardware, software, or telecommunications equipment; (f) otherwise interfere with or disrupt the operation of, or the servers or networks that provide the Content (or any portion thereof); (g) remove any copyright, trademark, patent or other proprietary rights notice on any Content; or; (h) use any robot, spider, search/retrieval application, or other manual or automatic device or technique to extract, “scrape,” collect, retrieve, index, “data mine,” copy, catalog, download or otherwise reproduce, store or distribute information or content available.

Nothing on this website constitutes an offer to sell or solicitation of an offer to buy any securities. Nothing on this site constitutes professional and/or financial advice nor does any information on this site constitute a comprehensive or complete statement of the matters discussed or the law relating thereto. No action should be taken or omitted to be taken in reliance upon information on this site. Advice from a suitably qualified professional should always be sought in relation to any particular matter or circumstances.


INFORMATION ON WEBSITE

Advisor Services does not warrant the accuracy, currency or completeness of the information or the reliability of any advice, opinion, statement, memorandum or other materials displayed on, or distributed through, this website. Advisor Services acquires the data and other information displayed on this website pursuant to license granted by Encom, LLC. The information set forth in this website may contain inaccuracies and typographical errors. You acknowledge that any reliance on any such advice, opinion, statement, memorandum or other materials shall be at your sole risk. While Advisor Services makes every effort to present fair, accurate and reliable information, Advisor Services DOES NOT GUARANTEE this information's accuracy, nor is Advisor Services to be held responsible for any inaccuracies, errors or omissions to the contents of this web site or any damages, irreparable or otherwise, that may be incurred as a direct result of the content, or lack thereof, on this web site. The information is provided solely for general reference and information.

THIS WEBSITE AND THE INFORMATION AND MATERIALS ON THIS WEBSITE ARE PROVIDED "AS IS." Advisor Services SPECIFICALLY DISCLAIMS ANY REPRESENTATION OR WARRANTY, EXPRESS OR IMPLIED, OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT OR FITNESS FOR ANY PARTICULAR PURPOSE. SOME JURISDICTIONS DO NOT ALLOW FOR THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.


PASSWORD PROTECTION

Access to certain portions of this website is password protected. Passwords should be kept strictly confidential and should not be shared with any other persons not authorized by Advisor Services. Advisor Services reserves the right to terminate, at any time, any user's access to password protected portions of this website.


LIMITATIONS OF DAMAGES DISCLAIMER OF WARRANTIES

The Content is based upon information that we consider reliable, but we do not represent that it is accurate or complete, and it should not be relied upon as such. THE CONTENT IS MADE AVAILABLE "AS IS". Advisor Services accepts no liability whatsoever for the accuracy, timeliness, reliability, performance, continued availability, completeness or currency of the Content, or for delays or omissions therein, or for interruptions in the delivery of any Content, or for any special, punitive, indirect, incidental or consequential losses arising from the use of or reliance on any Content, even if advised of the possibility of such losses.

Advisor Services is not responsible for maintaining the Content or to supply any corrections or updates in connection therewith. Advisor Services has the right to cease providing the Content at any time in its sole discretion.

IN NO EVENT SHALL Advisor Services BE LIABLE TO YOU OR ANY PERSON OR ENTITY FOR ANY DIRECT, INDIRECT, SPECIAL, CONSEQUENTIAL, MULTIPLE, PUNITIVE OR OTHER DAMAGES (INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION OR PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM) THAT ARE RELATED TO THE USE OF, OR THE INABILITY TO USE, THE INFORMATION, CONTENT, MATERIALS, AND FUNCTIONS OF THIS WEBSITE OR ANY LINKED WEBSITE, EVEN IF WE ARE EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.


INDEMNIFICATION AND RELEASE

By accessing this website, you agree to indemnify Advisor Services and any parent, subsidiary or affiliated entities, and their respective partners, stockholders, members, managers, officers, directors, employees and agents, and hold them harmless from any and all claims and expenses, including attorney's fees, arising from your use of this website. In addition, you hereby release Advisor Services and any parent, subsidiary or affiliated entities, and their respective partners, stockholders, members, managers, officers, directors, employees and agents, from any and all claims, demands, debts, obligations, damages (actual or consequential), costs and expenses of any kind or nature whatsoever, whether known or unknown, suspected or unsuspected, disclosed or undisclosed, that you may have against them arising out of or in any way related to such disputes. You hereby agree to waive all laws that may limit the efficacy of such releases.


THIRD PARTY SITES

As a convenience to you, Advisor Services provides on this website, links to websites operated by other entities. If you use these sites, you will leave this website. If you decide to visit any linked site, you do so at your own risk. In addition, third-party sites may be linked to this site, with or without our consent. Advisor Services makes no warranty or representation regarding, does not endorse, and does not accept any responsibility for, any websites linked to or from this website or the information appearing thereon or any of the products or services described thereon. Links do not imply that Advisor Services, endorses, is affiliated or associated with, the owner of such linked websites or that Advisor Services is legally authorized to use any trademark, trade name, logo or copyright symbol displayed in or accessible through the links, or that any linked site is authorized to use any trademark, trade name, logo or copyright symbol of Advisor Services or any of its affiliates.


PRIVACY AND COOKIES

By using this website you accept our use of cookies to enable and enhance the performance and functionality of this website. We do not use cookies for targeted marketing or profiling purposes.

If you do not accept the use of these cookies please change your browser settings so that cookies from this website cannot be placed on your device. Please note that if you set your browser to disable cookies, you may not be able to access secure areas of our websites and you may not be able to personalise the content of our websites to suit your preferences.


CHANGES

Advisor Services reserves the right, at our sole discretion, to change, modify, add or remove any portion of this website or these terms, in whole or in part, at any time. Changes will be effective when posted. Your continued use of the website after any changes are posted will be considered acceptance of those changes.

Advisor Services may also terminate, suspend or discontinue any aspect of this website, including the availability of any features of the website, at any time. Advisor Services may also impose limits on certain features and services or restrict your access to parts or all of the website without notice or liability.


MISCELLANEOUS

This website (excluding linked sites) is controlled by Advisor Services within the State of Michigan, United States of America. It can be accessed throughout the United States, as well as from other countries around the world. As each of these places has laws that may differ from those of Michigan, by accessing this website, you agree that the statutes and laws of the State of Michigan will apply to all matters relating to the use of this website, without regard to its conflicts of laws principles and, further, that any actions arising out of your use or access to this website shall only be brought in the courts of the State of Michigan. Advisor Services makes no representation that materials on the website are appropriate or available for use in other locations. Those who choose to access this website from other locations do so on their own initiative and are responsible for compliance with local laws.

The terms and conditions set forth in this section constitute the entire agreement between Advisor Services and you with respect to your use of this website. Any cause of action you may have with respect to your use of this website must be commenced within one (1) year after the claim or cause of action arises. If for any reason a court of competent jurisdiction finds any provision hereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible so as to effect the intent of these terms, and the remainder shall continue in full force and effect.

You may not copy or display for redistribution to third parties any portion of the content without the prior written permission of Advisor Services, LLC.