In this document “” or “we” refers to Instances of the word “you” refer to a visitor to this website who, by using our online services, agrees to these terms of use. You should read through all the Terms carefully. The Terms constitute a legally binding agreement between you and You agree that your use of the Site, including provision or use of any Content, does not violate any applicable law. does not offer individual investment advice. This site is published with the understanding that the publisher is not engaged in rendering legal, tax, or investment services. Since each individual’s situation is unique, a qualified professional should be consulted before making financial decisions.


The information is provided on an “as is” basis. We make no guarantees as to the accuracy, thoroughness or quality of the information, and are not responsible for errors or omissions. The information provided at this site is neither comprehensive nor appropriate for every individual. Some of the information is relevant only in Canada or the U.S., and may differ elsewhere. Some of the site content and linked sites relate to subjects or investment strategies that might not be appropriate for some individuals. You are strongly cautioned to verify any information before using it for any personal, financial or business purpose. This site is provided on the express condition, to which all making use thereof assent, that no liability shall be incurred by, or any of its employees.


You also understand that cannot and does not guarantee or warrant that files available for downloading through the site will be free of infection or viruses or other code that manifest contaminating or destructive properties. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for accuracy of data input and output, and for maintaining a means external to the site for the reconstruction of any lost data.


When you use the Site to send an information request to us, you agree to allow the Site to add your e-mail address to our database of contacts. Please review our Privacy Policy for more information regarding our information collection practices and safeguards, and how to opt not to receive e-mails. Your use of the Site signifies your acknowledgement of and agreement with our Privacy Policy, which is expressly incorporated into these Terms.


In no event will be liable for (i) any incidental, consequential, or indirect damages including, but not limited to, damages for loss of profits, business interruption, loss of programs or information, etc. arising out of the use of or inability to use the service, or any information or transactions provided on the service, or downloaded from the service, or any delay of such information or service. Even if or its authorized representatives have been advised of the possibility of such damages, or (ii) any claim attributable to errors, omissions, or other inaccuracies in the service and/or materials or information downloaded through the service. Because some countries do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you. In such countries, liability is limited to the greatest extent permitted by law.


All Content on the Site, and the Site itself, is protected by copyright and you will abide by any and all additional copyright notices, information, or restrictions contained in or relating to any Content on the Site. Copying or storing of any Content other than for your personal, noncommercial use is expressly prohibited without the prior written permission from us or the applicable copyright holder.


We may change, suspend or discontinue any aspect of the Site at any time, including the availability of any Site features, database, or Content. We may also impose limits on certain features or services or restrict your access to parts or all of the Site without notice to you or liability to us.


This Site may contain links and pointers to other Internet sites. Links to and from the Site to other sites, maintained by third parties, do not constitute an endorsement by us of such third-party sites or the contents thereof.


We do not separately file the Terms entered into by each user of the Site. Please make a copy of these Terms for your records by printing and/or saving a downloaded copy of the Terms on your personal computer.


We may immediately and in our sole discretion terminate any user’s access to or use of the Site due to such user’s breach of these Terms, our Privacy Policy or other unauthorized use of the Site.


If you are aware of or experience any Content, activity or communication through or in connection with the Site that appears to be in violation of the above, or in violation of any other provision of these Terms, we ask that you please contact and inform us of any such violations; Contact Us.


This agreement shall all be governed and construed in accordance with the laws of Delaware State in the United States of America. By using our website, you consent to the agreement as specified above.


UPDATED: June 2015