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  • Terms and Conditions
    The following describes the terms and conditions on which we offer you the information and products on our web site and related web pages. The use of this web site will constitute your acceptance of the Terms and Conditions stated herein. We reserve the right to modify, amend or restate the Terms and Conditions from time to time without prior notice. If you do not agree to the Terms and Conditions, please do not use this web site.
  • Use of this Web Site
    By using this website, you represent that you have read the herein Terms and Conditions and fully and unconditionally agree to be bound by the same and waive any and all claims or actions against us arising from use of this web site or any information or opinion expressed herein. You further agree to comply with applicable laws regarding the transmission of any information obtained from this site in accordance with the Terms and Conditions, not to use the same for illegal purposes, and not to interfere or disrupt the networks connected to this site.
  • Further Restrictions on Use
    YOU MAY NOT COPY, REPRODUCE, RECOMPILE, DECOMPILE, DISASSEMBLE, REVERSE ENGINEER, DISTRIBUTE, PUBLISH, DISPLAY, PERFORM, MODIFY, UPLOAD TO, CREATE DERIVATIVE WORKS FROM, TRANSMIT OR IN ANY WAY EXPLOIT ANY PART OF THIS WEBSITE BUT MAKE ONE PRINT COPY FOR YOUR OWN PERSONAL, NONCOMMERCIAL USE, PROVIDED THAT WE RETAIN AT ALL TIMES ALL COPYRIGHT AND OTHER PROPRIETARY NOTICES THEREON. FURTHERMORE, YOU MAY NOT USE ANY OF OUR TRADEMARKS, TRADE NAMES OR SERVICE MARKS IN ANY MANNER WHICH CREATES THE IMPRESSION THAT SUCH NAMES AND MARKS BELONG TO OR ARE ASSOCIATED WITH YOU OR ARE USED WITH OUR CONSENT, AND YOU ACKNOWLEDGE THAT YOU HAVE NO OWNERSHIP RIGHTS IN AND TO ANY OF THESE NAMES AND MARKS.
  • Intellectual Property
    This website contains material which is derived in whole or in part from materials supplied to us and various other sources. This website, including but not limited to its text, logos, content, photographs, flash animations and graphics is protected by copyrights, international treatise and/or other proprietary rights and laws. You agree to abide by all applicable copyright and other laws, as well as any additional copyright notices, or restrictions contained in the web site.

    You acquire absolutely no rights or license on or to the materials contained herein other than the limited rights to utilize the web site in accordance with the Terms and Conditions. Should you choose to download content or use the calculator, you must do so in accordance with the Terms and Conditions. Such download is licensed to you by us for your own personal, noncommercial use in accordance with the Terms and Conditions and does not transfer any other rights to you.
  • Accuracy Disclaimer
    We do not warrant or guarantee the accuracy, quality, completeness, currency or validity of any information on this web site or link from the web site. All information contained on this web site has been obtained from sources believed by us to by accurate and reliable. The ads, press releases and newsletters are also provided by the identified organizations. We do not edit or control the information we receive, although we may note obvious errors that have been discovered. We also acknowledge that there may be mistakes or inaccuracies in the calculations made using facilities provided in the web site. Due to the possibility of human and mechanical error, we are not responsible for any errors or omissions.
  • Liability Disclaimer
    The material provided on this web site could include technical inaccuracies or typographical errors and the web site may be subject to periods of interruption. We may make changes or improvements on the web site at anytime.
  • Limitation of Liability
    While we endeavor to maintain the highest professional quality of our web site, we cannot be held responsible for any errors or, defects in this web site or losses, liabilities, costs and other consequential damages that a visitor may incur arising from the use if this web site.
  • Links
    The web site may display links to other web sites that are not owned or maintained by us and which may contain information some people may find inappropriate or offensive. We have not reviewed such web sites and are not responsible for the content thereof. The inclusion of a link to such web sites does not imply endorsement by us.
  • Access and Interference
    You agree that you will not use any robot, spider, other automatic device or manual process to monitor or copy our Intellectual Property or any other content contained herein. You agree that you will not use device, software or routine to interfere or attempt to interfere with the proper working of the site.
  • Not an Offer to Invest
    Nothing in this web site shall constitute an invitation or offer to invest or deal in any of our products and visitors should not rely on financial information on this web site for investment purposes. In particular, actual results and developments may be materially different from any forecast, opinion or expectation expressed on this website and past performance of funds must not be relied on as a guide to their future performance.
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