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LIMITATION OF LIABILITY

While FALVEY uses reasonable efforts to include accurate and up-to-date information on this website, errors or omissions sometimes occur. To the fullest extent permissible under applicable law, FALVEY makes no warranties or representations as to the accuracy of the content of this website and under no circumstances, including, but not limited to, negligence, shall FALVEY or any party involved in creating, producing, or delivering the website be liable to you for any direct, incidental, consequential, indirect, or punitive damages that result from the use of, or the inability to use, the materials on this website, even if FALVEY or an authorized FALVEY representative has been advised of the possibility of such damages. In no event shall FALVEY’s total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this website. FALVEY also assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property as a result of your access to, use of, or browsing in the website or your downloading of any materials, data, text, images, video, or audio from this website.

RESTRICTIONS ON USE OF MATERIALS

This website is owned and operated by FALVEY. Except as otherwise expressly permitted by FALVEY, no materials from this website or any website owned, operated, licensed or controlled by FALVEY may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way. You may download material displayed on this website for your use only, provided that you also retain all copyright and other proprietary notices containedĀ onĀ the materials. You may not distribute, modify, transmit, reuse, repost, or use the content of this website for public or commercial purposes, including the text, images, audio, and video without FALVEY’s written permission. FALVEY neither warrants nor represents that your use of materials displayed on this website will not infringe rights of third parties.

JURISDICTIONAL ISSUES

Unless otherwise expressly set forth herein, FALVEY makes no representation that materials on this website are appropriate or available for use in any location. Those who choose to access this website do so on their own initiative and are responsible for compliance with local laws. Except as expressly set forth herein the information contained on this website is not an offer to sell or a solicitation to buy any security, insurance product or other product or service by FALVEY. No security, insurance product or other product or service is offered or will be sold by FALVEY or, if sold by FALVEY, will be effective in any jurisdiction in which such offer or solicitation, purchase or sale would be unlawful under the securities, insurance or other laws of such jurisdiction. Some products and services may not be available in all jurisdictions.

OWNERSHIP OF INFORMATION

Any information, other than personal data or information, you transmit to FALVEY via this website, by electronic mail or otherwise, including data, questions, comments, or suggestions will be treated as non-confidential and non-proprietary and will become the property of FALVEY. Such information, other than personal data or information, may be used for any purpose, including, but not limited to, reproduction, solicitations, disclosure, transmission, publication, broadcast, and posting. FALVEY is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to FALVEY via this website or by any other means for any purpose whatsoever, including, but not limited to, developing and marketing products using such information.

TRADEMARKS AND COPYRIGHTS

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SOFTWARE LICENSES

You acknowledge that any software which may be available or provided to you on this website may contain technology that is subject to strict controls pursuant to export control laws and regulations of the United States of America and other countries and jurisdictions. You hereby agree that you will not transfer or export such software in violation of such applicable export laws and regulations. FALVEY does not authorize the downloading or exportation of any software or technical data from this website to any jurisdiction prohibited by such export controls laws and regulations.