Harbor Group International may, in its sole discretion, update and change these Terms of Use from time to time without notice to you. You should review these Terms of Use each time you use this Site or a Service to make sure you are still in agreement to abide by them. You agree that by using this Site or Services or engaging in any of the activities described in these Terms of Use after changes have been made to these Terms of Use, you are agreeing to accept and comply with those changes. The date of the last revision or update to these Terms of Use appears at the top of the Terms of Use.

You represent that you have the legal right and ability to agree to these Terms of Use and that you will use this Site, the Services, and any products or services received as a result of your use of the Services in a manner consistent with these Terms of Use.

This Site and the Services may contain copyrighted works and trademarks and other proprietary material owned or used by Harbor Group International or its content providers. If no restrictions are displayed, you may download, view and copy the information available from this Site for non-commercial personal or educational purposes only, provided that each copy includes any copyright, trademark or service mark notice or attribution as they appear, on the pages copied. However, except as stated above, you may not copy, reproduce, publish, post, transmit, display, store, sublicense, transfer or distribute material or images from this Site without the express written permission of Harbor Group International and/or its content providers. You may not modify, alter, revise, paraphrase, omit, or change any material or images on or from this Site without the express written permission of Harbor Group International and/or its content providers. You may not create derivative works, whether based in whole or in part upon the information on this Site or any portion thereof, except as expressly authorized. You may not modify, amend, reduce the size of or in any way obliterate any warning, notice, liability limitation, or other license provision in material or images on or from the Site or Services and provided by Harbor Group International for itself or other content providers. You may not assign, sublicense, transfer, pledge, lease, rent or share your rights under these Terms of Use, unless otherwise agreed to in writing by Harbor Group International. Nothing contained on this Site and/or the Services should be construed as granting, by implication, estoppel or otherwise, any license or right in and to Harbor Group International trademarks or copyrighted material of Harbor Group International or any third party without the express written permission of the applicable party. You also agree not to use the Site and/or Services for any unlawful purpose. You agree to comply with reasonable written requests by Harbor Group International to protect the information providers’ and Harbor Group International’s respective rights in the information contained in this Site and/or as a part of the Services.

Furthermore, you may not:

• engage in any conduct which violates these Terms of Use;
• engage in any conduct that restricts or inhibits any other user from using or enjoying the Site;
• engage in any conduct that may constitute a criminal offense, give rise to civil liability, or otherwise violate any applicable local, state, national, or international law;
• attempt to decompile, reverse engineer, disassemble or otherwise attempt to extract to discover the source code of the Site or any part thereof, except and only to the extent such activity is expressly permitted by applicable law notwithstanding this limitation;
• use the Site in any manner that could damage, disable, overburden or impair the Site or interfere with the proper functioning of the Site, including making automated use of the Site or take any action that Harbor Group International deems to impose or potentially impose an unreasonable or disproportionately large load on our servers or network infrastructure; or
• use another user’s username and password without permission.

Harbor Group International reserves the right to prohibit access to and/or take legal action with respect to any individual or entity engaging in any conduct in violation of this Agreement. Please note that unauthorized entry (commonly referred to as hacking) into any portion of the Site may constitute a crime under state and/or federal law. Harbor Group International will prosecute these violations to the fullest extent permitted by law.

BY ACCESSING THIS SITE AND/OR USING OR RECEIVING ANY SERVICES, YOU AGREE TO HOLD HARMLESS AND WAIVE ALL CLAIMS AGAINST HARBOR GROUP INTERNATIONAL AND ALL THIRD PARTY CONTENT PROVIDERS REGARDING THE INFORMATION PROVIDED ON THIS SITE AND ANY INFORMATION RECEIVED BY YOU AS A RESULT OF USING THE SERVICES, AND ANY USE BY YOU OF SUCH INFORMATION. YOU AGREE THAT UNDER NO CIRCUMSTANCES SHALL HARBOR GROUP INTERNATIONAL, ITS AFFILIATES OR ANY OF ITS OUR THEIR OFFICERS, DIRECTORS, EMPLOYEES OR AGENTS OR ANY OTHER PARTY INVOLVED IN CREATING, PRODUCING, OR DELIVERING THIS SITE OR ITS CONTENTS OR SERVICES BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES OR FOR LOSS OF PROFITS, GOOD WILL, BUSINESS INTERRUPTION, USE, DATA, EQUIPMENT OR OTHER INTANGIBLE LOSSES HOWEVER CAUSED (EVEN IF ANY SUCH PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES) THAT RESULT OR ARISE FROM (1) THE USE OF OR INABILITY TO USE THIS SITE OR ANY SERVICES (2) THE CONSEQUENCES OF ANY DECISION MADE OR ACTION OR NON-ACTION TAKEN BY YOU OR BY ANYONE TO WHOM YOU COMMUNICATE SUCH INFORMATION, OR FOR ANY ERRORS BY YOU IN COMMUNICATING SUCH INFORMATION; (3) THE COST OF SUBSTITUTE GOODS OR SERVICES; OR (4) ANY OTHER MATTER RELATING TO THE CONTENT, SERVICES, OR DISTRIBUTION OF SERVICES THROUGH THIS SITE. HARBOR GROUP INTERNATIONAL SHALL NOT BE LIABLE FOR DAMAGE OR INJURY TO PERSONS OR PROPERTY ARISING FROM ANY USE OF ANY PRODUCT, INFORMATION, PROCEDURE, OR SERVICE OBTAINED THROUGH THIS SITE.

HARBOR GROUP INTERNATIONAL’S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY WITH RESPECT TO ANY DISPUTE OR CLAIM RELATED TO THESE TERMS OF USE, ANY SERVICES, OR THE PRIVACY POLICY IS YOUR CESSATION OF THE USE OF THIS SITE AND/OR ANY AND ALL SERVICES. BECAUSE SOME STATES DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, IN SUCH STATES LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.

HARBOR GROUP INTERNATIONAL CANNOT AND WILL NOT ASSUME ANY LIABILITY FOR UNAUTHORIZED OR FRAUDULENT USE OF THIS SITE AND ANY SERVICES.

AS A CONDITION OF YOUR USE OF THE SITE AND/OR SERVICES, YOU AGREE TO INDEMNIFY AND HOLD HARBOR GROUP INTERNATIONAL, ITS AFFILIATES AND ALL THIRD PARTY CONTENT PROVIDERS WHICH PROVIDE CONTENT FOR THIS SITE AND/OR THE SERVICES (EITHER THROUGH LINKS OR OTHERWISE), HARMLESS FROM ANY CLAIM OR DEMAND, INCLUDING REASONABLE ATTORNEYS’ FEES, MADE BY ANY THIRD PARTY DUE TO OR ARISING OUT OF CONTENT YOU SUBMIT, POST TO OR TRANSMIT THROUGH THIS SITE, YOUR USE OF THE SITE OR THE SERVICES, YOUR CONNECTION TO THE SITE, YOUR VIOLATION OF THE TERMS OF USE, OR YOUR VIOLATION OF ANY RIGHTS OF ANOTHER USER.

SOME OF THE CONTENT ON THIS SITE AND/OR THE SERVICES MAY BE PROVIDED BY THIRD PARTY CONTENT PROVIDERS AND USERS. HARBOR GROUP INTERNATIONAL HAS NO EDITORIAL CONTROL OVER SUCH CONTENT. ANY OPINIONS, ADVICE, STATEMENTS, SERVICES, OFFERS OR OTHER INFORMATION GIVEN OR PROVIDED BY THIRD PARTIES (INCLUDING MERCHANTS AND LICENSORS) ARE THOSE OF THE RESPECTIVE AUTHORS OR DISTRIBUTORS OF SUCH CONTENT AND NOT OF HARBOR GROUP INTERNATIONAL AND INCLUSION OF SUCH CONTENT ON THE SITE OR THE SERVICES SHALL NOT BE DEEMED TO BE AN ENDORSEMENT BY HARBOR GROUP INTERNATIONAL.

ALTHOUGH HARBOR GROUP INTERNATIONAL USES REASONABLE EFFORTS TO PROVIDE ACCURATE AND UP-TO-DATE INFORMATION THROUGH THIS SITE, HARBOR GROUP INTERNATIONAL AND SUCH CONTENT PROVIDERS MAKE NO WARRANTIES OR REPRESENTATIONS EXPRESS OR IMPLIED, AS TO THE ACCURACY, RELIABILITY, SECURITY, AVAILABILITY, TIMELINESS OR COMPREHENSIVENESS OF CONTENT ON THIS SITE AND ANY SERVICE. THE INFORMATION CONTAINED ON THIS SITE AND ANY SERVICE IS PROVIDED ON AN “AS IS” “AS AVAILABLE” BASIS. TO THE FULLEST EXTENT PERMITTED BY LAW, HARBOR GROUP INTERNATIONAL DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, WITH REGARD TO INFORMATION CONTAINED ON THIS SITE AND ANY SERVICE, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. HARBOR GROUP INTERNATIONAL DOES NOT GUARANTEE UNINTERRUPTED, “ERROR FREE” OR SECURE ACCESS TO THIS SITE AND/OR THE SERVICES. HARBOR GROUP INTERNATIONAL AND ITS CONTENT PROVIDERS CANNOT AND DO NOT GUARANTEE OR WARRANT THAT THE FILES AVAILABLE FOR DOWNLOADING FROM THIS SITE AND ANY SERVICE WILL BE FREE FROM INFECTIONS OR VIRUSES, WORMS, TROJAN HORSES, OR OTHER CODE THAT MANIFESTS CONTAMINATING OR DESTRUCTIVE PROPERTIES. YOU HEREBY AGREE TO RELEASE AND HOLD HARMLESS HARBOR GROUP INTERNATIONAL FROM ANY AND ALL CLAIMS, LOSSES, EXPENSES OR DAMAGES RELATING TO ANY DISCLAIMED WARRANTY DESCRIBED IN THESE TERMS OF USE.

SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON HOW LONG IMPLIED WARRANTIES LAST OR THE EXCLUSION OF CERTAIN IMPLIED WARRANTIES, SO THAT THESE DISCLAIMERS AND LIMITATIONS MAY NOT APPLY TO YOU. IN SUCH EVENT, SUCH DISCLAIMERS SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW.

THE INFORMATION PROVIDED IN ANY SERVICE OR IN THIS SITE DOES NOT CONSTITUTE INVESTMENT, TAX, FINANCIAL, LEGAL, OR OTHER ADVICE. HARBOR GROUP INTERNATIONAL MAKES NO REPRESENTATION REGARDING THE ACCURACY OR IMPORTANCE OF ANY SERVICES. INFORMATION RECEIVED VIA THIS SITE OR THE SERVICES SHOULD NOT BE RELIED UPON FOR PERSONAL, INVESTMENT, TAX, LEGAL OR FINANCIAL DECISIONS, AND PRIOR TO THE EXECUTION OF ANY TRANSACTION BY YOU RELATED TO ANY INFORMATION YOU OBTAINED FROM THIS SITE OR THE SERVICES, YOU SHOULD CONSULT WITH YOUR FINANCIAL TAX AND INVESTMENT ADVISORS AND AN ATTORNEY, OR OTHERWISE SEEK APPROPRIATE PROFESSIONAL ADVICE TAILORED TO YOUR SITUATION. THIS SITE AND THE SERVICES ARE PUBLISHED SOLELY FOR INFORMATIONAL PURPOSES AND ARE NOT A SOLICITATION, RECOMMENDATION, ENDORSEMENT OR OFFER BY HARBOR GROUP INTERNATIONAL OR A THIRD PARTY TO BUY OR SELL ANY STOCK, MUTUAL FUND, SECURITY, OR OTHER FINANCIAL INSTRUMENT. THE INVESTMENT INFORMATION PROVIDED ON THE SITE DOES NOT ATTEMPT OR CLAIM TO BE A COMPLETE DESCRIPTION OF THE SECURITIES, MARKETS, OR DEVELOPMENTS REFERRED TO IN THE MATERIALS. ALL EXPRESSIONS OF OPINION ARE SUBJECT TO CHANGE WITHOUT NOTICE. HARBOR GROUP INTERNATIONAL DOES NOT UNDERTAKE TO ADVISE ANYONE VIA THIS SITE. HARBOR GROUP INTERNATIONAL, ITS AFFILIATES, AND THEIR RESPECTIVE DIRECTORS, EMPLOYEES OR AGENTS MAY HAVE CLIENTS WITH POSITIONS IN SECURITIES OR COMPANIES MENTIONED ON THIS SITE, AND HARBOR GROUP INTERNATIONAL MAY HAVE BUSINESS RELATIONSHIPS WITH SUCH COMPANIES.

If a court determines that any portion of these Terms of Use is illegal or unenforceable, then such portion will be construed in such a manner that would make the provision valid or enforceable. If it is not possible to construe the provision in such a manner that would make it valid or enforceable, then only the term or provision that make it unenforceable will be eliminated and the remaining Terms of Use will remain in force and effect. Any failure of Harbor Group International to act on or enforce any provision of these Terms of Use shall not be construed as a waiver of that provision or any other provisions of these Terms of Use.

These Terms of Use constitute your entire agreement with Harbor Group International regarding this Site and any Services, and supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written between you and Harbor Group International with respect to the Site or the Services. These Terms of Use, the Site, the Services, and any and all claims relating thereto are governed by and construed in accordance with the laws of the Commonwealth of Virginia, without giving effect to any principles of conflicts of law. You expressly and irrevocably agree that exclusive jurisdiction and venue for any claim or dispute with Harbor Group International, its employees, contractors, officers, directors, and content providers or in any way relating to or arising from to your use of this Site and/or the Services resides in an appropriate federal or state court located in the City of Norfolk, Commonwealth of Virginia, and you further irrevocably agree and expressly and irrevocably consent to the exercise of personal jurisdiction in those courts over any action brought relating to these Terms of Use, the Site, or the Services.

You agree that if any dispute should arise between you and Harbor Group International related to or arising from your use of the Site and/or Services, you will bring your claim on an individual basis and you hereby waive your right to pursue any claim in a class action. Regardless of any statute or law to the contrary, you must commence any cause of action you may have with respect to your use of the Site and/or Services within one (1) year after the claim or cause of action arises.

You agree that Harbor Group International, at its sole discretion, may require you to submit any disputes related to or arising from the use of this Site, the Services, and/or these Terms of Use concerning or including any disputes related to, arising from or concerning their interpretation, violation, nullity, invalidity, non-performance or termination, as well as disputes about filling gaps in this contract or its adaptability to newly arisen circumstances to final and binding arbitration under the International Rules of Arbitration of the American Arbitration Association, by one or more arbitrators appointed in accordance with the said Rules. Notwithstanding these rules, however, such proceeding shall be governed by the laws of the state as set forth herein. Any award in an arbitration initiated under this clause shall be limited to monetary damages and shall include no injunction or direction to any party other than the direction to pay a monetary amount. Further, the arbitrator shall have no authority to award punitive, consequential or other damages not measured by the prevailing party’s actual damages in any arbitration initiated under this section, except as may be required by statute.

You agree to provide true, accurate, current and complete information about yourself if and when you elect to provide personal information to us. You also agree to maintain and promptly update any such information to keep it accurate. Other than personally identifiable information, which is addressed under our Privacy Policy, any and all comments, suggestions, ideas, graphics, or other information that you transmit or post to the Site becomes and will remain the property of Harbor Group International and may be used by Harbor Group International anywhere, anytime and for any reason whatsoever. Except as may be provided in the Privacy Policy, any information or materials submitted to Harbor Group International will be treated as non-confidential and non-proprietary, and Harbor Group International will not have any obligation to use or evaluate any information we receive from you. Harbor Group International will not have to pay you or anyone else for using any ideas or other materials that you may transmit to or post on the Site.

This Site may provide links to other web sites operated by other entities (“Linked Sites”) that we think might be of interest to our users. Any such links are provided strictly for convenience. Please note that when you click on one of these links and go to a Linked Site, you are be moving to another provider’s web site. Such Linked Sites are not under the control of Harbor Group International, and Harbor Group International is not responsible for the contents or the proper operation of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. The inclusion of any link does not imply endorsement by Harbor Group International or any association with its operators. Harbor Group International cannot control the activities of any such provider once a user leaves this Site and you acknowledge and agree that use of Linked Sites is strictly at your own risk. We encourage you to read the terms of use and privacy statements of these Linked Sites as their policies may differ from ours.

The Digital Millennium Copyright Act of 1998 provides recourse for copyright owners who believe that material posted on Internet sites infringes their rights under U.S. copyright law. If you believe in good faith that items, information or other materials appearing on the Website infringe your copyright, please send us a notice containing the following information:

A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works are covered by a single notification, a representative list of such works.
Identification of the material that is claimed to be infringing or to be the subject of infringing activities and that is to be removed or access to which is to be disabled, and information sufficient to permit us to locate the material.
Contact information for the notifying party, including name, address, telephone number, and email address.
A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law.
A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

The Digital Millennium Copyright Act of 1998 provides recourse for copyright owners who believe that material posted on Internet sites infringes their rights under U.S. copyright law. If you believe in good faith that items, information or other materials appearing on the Website infringe your copyright, please send us a notice containing the following information:

A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.
Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works are covered by a single notification, a representative list of such works.
Identification of the material that is claimed to be infringing or to be the subject of infringing activities and that is to be removed or access to which is to be disabled, and information sufficient to permit us to locate the material.
Contact information for the notifying party, including name, address, telephone number, and email address.
A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law.
A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed.

The material listed in this Site is current as of the date noted, and is for informational purposes only, and does not contend to address the financial objectives, situation, or specific needs of any individual investor. Any information is for illustrative purposes only, and is not intended to serve as investment advice since the availability and effectiveness of any strategy is dependent upon your individual facts and circumstances. Results will vary, and no suggestion is made about how any specific solution or strategy performed in reality.

THIS SITE WAS CREATED IN THE UNITED STATES. THIS SITE AND/OR THE SERVICES MAY NOT COMPLY WITH LEGAL REQUIREMENTS OF FOREIGN COUNTRIES. THIS SITE, THE SERVICES, AND ANY AND ALL INFORMATION OBTAINED THEREFROM ARE NOT PROVIDED TO AND MAY NOT BE USED BY ANY PERSON OR ENTITY IN ANY JURISDICTION IN VIOLATION OF APPLICABLE LAWS, RULES OR REGULATIONS. THEREFORE, NOT ALL PRODUCTS OR SERVICES DESCRIBED ON THIS SITE MAY BE AVAILABLE TO ALL PERSONS OR ENTITIES OR IN ALL JURISDICTIONS.

Please contact us at webmaster@harborg.com if you have any questions about the Site, the Services or these Terms of Use.