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Regarding Copyright, Trademark, and Other Intellectual Property:
All materials posted on this website are copyright © 2007-2010 AdvisorRating.com©,  owned by AdviserRating.com, Inc., with all rights reserved.  Not withstanding this reservation of rights, AdvisorRating.com© authorizes users of this website to copy materials posted on this website strictly for their own personal, non-commercial use, and proper notation indicating AdvisorRating.com is the source of the information must be present and easily readable.  Any and all other uses of the materials posted on this website are prohibited.  The authorization granted herein does not extend to the design, format, or layout of this website, which may be further protected under applicable trade dress, trademark, or copyright laws.  All copyright, patent, trademark, and other intellectual property-related notices must remain affixed to any materials downloaded from this website.  Failure to maintain such notices voids the authorization granted above.  

In granting this authorization, AdvisorRating.com© grants no other right, title, ownership, license, or other property interest in the materials and subject matter posted on this website, and in any intellectual property rights protecting such materials and subject matter. 

The AdvisorRating.com© logo and the names of all AdvisorRating.com© products and services, URLs, Websites (including but not limited to: AdvisorCheck.com, AdviserCheck.com. AdvisorRating.com, AdviserRating.com) and/or services as posted herein are trademarks or service marks, or registered trademarks and/or service marks of the AdvisorRating.com© and fully owned by AdviserRating.com, Inc. and all rights are reserved. 

The names of other products and companies mentioned herein may be trademarks and/or service marks held by their respective owners. 

Disclaimer (Website):  AdvisorRating.com© has made all reasonable efforts to ensure the accuracy of all materials posted on this website. However, it should be understood that despite these efforts, these materials could contain errors. Therefore, the use of the AdvisorRating.com© website and the content therein is at your own risk. Accordingly, all materials are posted on this website are on an "AS IS" basis without any expressed warranty. Further, all implied warranties are disclaimed, including but not limited to the warranties of fitness for a particular purpose, of merchantability, of title, and of non-infringement. Users of the AdvisorRating.com© website should verify and confirm all information posted herein before relying on any such information  

Disclaimer (Members):  Although all AdvisorRating.com© members have been verified as to certain high standards and qualifications, AdvisorRating.com© provides no assurance or warranty of the ethical integrity of its members. Consumers should always make financial decisions on the basis of their own due diligence.  

No Duty to Update:  Materials posted on this website are current only as of the date that such materials are posted. With the passage of time, these materials may become incomplete, obsolete, or outdated. AdvisorRating.com© has no obligation and makes no commitment to update these materials.

IN NO EVENT SHALL AdvisorRating.com© BE LIABLE FOR ANY COMPLAINTS, ACTIONS, SETTLEMENTS, JUDGMENTS OR OTHER HARM, INCLUDING ATTORNEY'S FEES AND COSTS, ARISING FROM CLAIMS AGAINST MEMBERS.

AdvisorRating.com© SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, INCIDENTAL, SPECIAL, PUNITIVE OR OTHER DAMAGES WHATSOEVER INCLUDING WITHOUT LIMITATION, DAMAGES FOR ANY FINANCIAL LOSS OF ANY KIND INCLUDING BUSINESS COSTS, BUSINESS PROFITS OR BUSINESS OPPORTUNITY, BUSINESS INTERRUPTION, DATA LOSS, OR LOSS OF BUSINESS INFORMATION, EVEN IF AdvisorRating.com© HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

When you use the AdvisorRating.com website and databases you agree that all use is governed by the following terms and conditions:

 

·         Access to AdvisorRating.com©:  Upon registration and payment, AdvisorRating.com© grants you a non transferable, non exclusive license to access our databases and the information contained in the databases, solely for the purpose of performing data verification, person, property and address location and related searches for qualified individual commercial use only.

 

·         Disclaimer Of Warranties: The information in the AdvisorRating.com© databases has been compiled from public records and other proprietary sources for the specific purposes of (1) locating individuals, property and businesses, and/or (2) providing general background information about individuals and businesses for verification purposes. Neither AdvisorRating.com© nor any of our data suppliers represents or warrants that the Information is current, complete or accurate AdvisorRating.com© HEREBY DISCLAIMS ALL REPRESENTATIONS AND WARRANTIES REGARDING THE PERFORMANCE OF THE SERVICE AND THE ACCURACY, CURRENCY, OR COMPLETENESS OF THE INFORMATION, INCLUDING (WITHOUT LIMITATION) ALL WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. ADDITIONALLY, UNDER NO CIRCUMSTANCES SHALL WE BE LIABLE TO YOU FOR ANY DAMAGES WHATSOEVER, INCLUDING (WITHOUT LIMITATION) ANY DIRECT, SPECIAL, INCIDENTAL, EXEMPLARY OR CONSEQUENTIAL DAMAGES, LOST PROFITS, OR ANY OTHER CLAIMS OF YOURS OR THIRD PARTIES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. You assume all risks associated with the use of our databases and information.

  

·         Misuse In the event that AdvisorRating.com© suspects that the AdvisorRating.com© databases or our information has been misused, we will contact our suppliers and/or law enforcement agencies (as appropriate) and will provide them with all data needed to conduct an investigation. You consent to the provision of its information (including search key data) for such investigative purposes. You further agree to fully cooperate with all audits of our customers and our systems generally. AdvisorRating.com© systems and services may not be electronically accessed by automated programs or other data extraction systems without prior authorization. AdvisorRating.com© reserves the right to cancel or not offer its service to any user that it deems is inappropriately using its services.

  

·         Communication:  AdvisorRating.com© primarily uses email to communicate with its customers. All purchase receipts, confirmation notices, and welcome messages are delivered through electronic communications. AdvisorRating.com© may periodically communicate service and other suitable updates with its customers via email.

  

·         Term:  The term of this Agreement shall begin on the day that you agree to these terms and shall continue until terminated by either of us upon notice, which may be given by email. The terms of sections of the restrictions on use of our information shall continue to apply to information downloaded from AdvisorRating.com© until all copies of that information are destroyed by you. By accessing any information contained in the AdvisorRating.com© database you are agreeing to these terms.

  

·         Other Terms:  This Agreement shall be governed by Virginia law. Failure by either of us to insist on the strict performance of any of the terms and conditions of this Agreement in one or more cases shall not be considered a waiver or relinquishment for the future of any such term or condition or of any other term or condition. The terms and conditions set forth here constitute our entire agreement, and any additional or different terms or conditions set forth in any other document, including without limitation any purchase order, shall be of no effect.

  

·         General Restrictions:  You agree to use our information only for appropriate, legal purposes, and in compliance with all applicable federal, state and local laws and regulations. Additionally, you agree that our databases and information may not be used to bother, stalk, harass, threaten or embarrass any individual. You may not use the service to look up celebrities or other public persons, or to locate individuals under the age of 18. Information shall not be provided or resold to any other person or entity without our prior written consent. All searches of our databases may be tracked, and (as noted below) you consent to such tracking and to the provision of all information about your use of our databases to law enforcement and others as may be useful to respond to allegations that our service or information has been misused.

  

·         Additional Restrictions:  In the event of using this service for criminal background, civil background, or public record checks, you should not assume that this data provides a complete or accurate history of any person's criminal history, civil history, or public record. You should consult state and federal laws before using this information in making decisions on hiring or firing of employees or terminating the service of financial advisors and or financial planners.  AdvisorRating.com© cannot offer legal advice on how to use the information contained in criminal background reports, civil background reports, or public record reports and is not responsible for any action taken by the user based on this information. Users should use extreme caution when interpreting the results of a criminal or civil background search or public record search for any type of personal verification. Positive or false matches in criminal or civil searches or public record searches may not provide confirmation of an individual's criminal or civil background. Proper use of these reports is the responsibility of you, the user.

 

·         FCRA Restrictions AdvisorRating.com© may be considered a consumer reporting agency as defined in the Fair Credit Reporting Act ("FCRA"), and it is the responsibility of the user to ensure that they abide by any particular requirements set forth in the FCRA. AdvisorRating.com© is not liable for any violations of the FCRA by any consumer or user.

  

·         Indemnification You agree that you shall indemnify and hold harmless AdvisorRating.com©, its officers, directors, employees and agents, and all entities that have contributed information or data to, or provided services, for the Service, against any and all direct or indirect losses, claims, demands, expenses (including attorneys' fees) or liabilities of whatever nature or kind arising in any way out of your use of the Service or of our databases or of the information and data contained therein. We will promptly notify you of any such claim.  

 

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