Disclaimer & Terms Of Use

DISCLAIMER

Although InsiderInsights.com ("InsiderInsights") has taken all reasonable care that the information contained in this web site (the "Site"), and InsiderInsights' newsletter (the "Newsletter") is accurate at the time of publication, we cannot guarantee that the data, including but not limited to the Form 4 and Form 144 data presented on the Site and in the Newsletter will be 100% accurate. AS SUCH, THE INFORMATION IN THE SITE AND NEWSLETTER IS PROVIDED "AS IS" WITH NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. Opinions and any other contents at the Site and Newsletter are subject to change without notice. InsiderInsights is not utilizing the Site or Newsletter to provide investment advice to you or any other party, and no information or material at the Site or in the Newsletter is to be solely relied upon for the purpose of making or communicating investment or other decisions. Past performance is not necessarily a guide to future performance. Please consult your investment advisor before making any investment decision.

InsiderInsights, its affiliates, its suppliers, and its sponsors shall not be responsible or liable for any damages whatsoever including, without limitation, direct, indirect, incidental, consequential, special, exemplary, punitive or other damages resulting from lost profits, lost data, or business interruption under any contract, warranty, tort, strict liability or other theory arising out of or relating in any way to the Newsletter, the Site or from the use or inability to use the web site, web site content, material, site-related services contained within the web site. Your sole remedy for dissatisfaction with the Newsletter or Site, site-related services, and material contained within the Site or Newsletter is to stop using the Site, the Newsletter and InsiderInsights' services.

RECURRING BILLING

Subscriptions are billed monthly or annually and default to being renewed on a recurring basis until cancelled. For annual subscriptions, clients may request that their billing information be expunged after the annual charge to prevent recurring billing.

CANCELLATION POLICY

Cancellation of subscriptions can be made via email to: support@insiderinsights.com or via phone call or message to (212) 784-6860. Cancellation by subscribers paying monthly shall result in no further billing of subscriber's credit card, though access to the product shall continue until all services previously paid for are fulfilled. Cancellation by subscribers paying annually shall result in no further billing of subscriber's credit card, along with a full or partial refund of monies paid as per the REFUND POLICY below.

REFUND POLICY

Refunds of annual subscriptions in their first year shall be calculated as follows: subscriber shall be deemed to have utilized InsiderInsights' services and products at the regular monthly rate applicable at the time of subscription. A $10 cancellation fee shall also be subtracted from the refund to compensate the time required to process the refund. Refunds of annual subscriptions billed via a recurring charge shall be refunded in full and without question within one months of the recurring charge.

NO OFFER

Neither the information nor any opinion expressed in the Site or Newsletter shall constitute or be construed as an offer, a recommendation, solicitation or agreement by InsiderInsights to buy or to sell any securities or financial instruments or provide any investment advice or service. The information in the Site and Newsletter is descriptive of various securities as a whole and the securities and financial instruments described may not be available to or suitable for you.

USE OF SECURE AREA AND PASSWORD

Use of any password-protected area of the Site is restricted to the registered user who has been given permission and a password to enter such area. This password cannot be distributed to others, and the registered user is responsible for any and all damages to InsiderInsights resulting from the distribution of his or her password, whether authorized or not. You are responsible for maintaining the confidentiality of your information and password. You agree to immediately notify InsiderInsights of any unauthorized use of your registration or password. Misuse of a password may result in the termination of such registered user's subscription, and forfeiture of fees paid.

COPYRIGHT

© Ex Officio LLC. All rights reserved.

Copyright in the Site and Newsletter is owned by Ex Officio LLC unless otherwise indicated. The Site is freely accessible for browsing purposes only. Express reference to InsiderInsights.com must be made in the event that the Site, the Newsletter or any part thereof, is reproduced in any form, written or electronically (including, but not limited to, posting of any copyrighted material in whole or in part on electronic message boards). Publication of the Site, the Newsletter and any part thereof requires the express written consent of Ex Officio LLC. Infringement of copyright policy may result in the termination of the registered user's subscription, and forfeiture of fees paid.

THEFT OF SERVICES

Usernames and passwords are for use by registered subscribers to InsiderInsights.com only. Sharing login information with non-subscribers shall be deemed a theft of service, and shall result in the termination of the registered user's subscription, forfeiture of fees paid, and potential legal action.

TRADEMARKS

Ex Officio LLC owns and maintains the Site. Ex Officio LLC, InsiderInsights and their logos are trademarks and service marks. Nothing at the Site or within the Newsletter shall be construed to grant or give any license or right to use any image, trademark, service mark or logo. No act of downloading or otherwise copying from the Site or Newsletter shall transfer title to any material therein to anybody. Ex Officio LLC reserves all rights with respect to copyright and trademark ownership of the Site and Newsletter and any part thereof and will enforce such rights fully as permitted by applicable law.

POTENTIAL CONFLICTS

Ex Officio LLC may own stocks we present opinions on. Employees of InsiderInsights.com and any affiliates, money management clients of affiliates, or related persons thereof, may have long or short investment positions in any company mentioned on the Site or in the Newsletter, and changes in positions may occur before investment opinions are published on the Site or in the Newsletter.

LINKS TO OTHER SITES

The Site may contain links to third party web sites and/or the Newsletter may publish the URLs of third party web sites. These links are provided solely as a convenience to you and not as an endorsement by InsiderInsights of the contents on such third-party web sites. InsiderInsights is not responsible for the content of linked third-party sites and does not make any representations regarding the content or accuracy of materials on such third party web sites. If you decide to access third party web sites, you do so at your own risk.

GOVERNING LAW AND JURISDICTION

This Agreement shall be deemed to have been executed and delivered in New York, NY and all questions arising out of or under this Agreement shall be governed by the laws of the State of New York without regard to conflict of laws principles. Both parties unconditionally consent to the personal jurisdiction of the courts of the State of New York, County of New York. The parties specifically disclaim applicability of the United Nations Convention on the Sale of Goods.

MODIFICATION

The terms above may be modified or amended at any time without notice. This page should be reviewed frequently to note any such changes.