ADVAYA, LLC WEB SITE TERMS AND CONDITIONS

PLEASE READ THE FOLLOWING TERMS AND CONDITIONS CAREFULLY. THEY GOVERN YOUR ACCESS AND USE OF THIS WEB SITE.

BY ACCESSING OR USING THIS WEB SITE, YOU AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS AND ACCEPT THEM IN FULL AS THEY MAY BE MODIFIED BY ADVAYA, LLC FROM TIME-TO-TIME AND POSTED ON THIS WEB SITE.

This site is intended to be used as an informational resource only and it is not intended to provide any financial, investment, insurance, legal, accounting, or tax advice, and shall not be relied upon by you in that regard. Use of this site confirms your understanding and agreement of and to the following terms and conditions.

No Warranties. Although Advaya, LLC attempts to provide accurate information, names, images, pictures, logos, icons, documents, and other materials, including, but not limited to, any information and other materials provided by third parties (collectively, the "Contents"), on the Advaya, LLC web site, it makes no representation, endorsement, or warranty that such Contents are accurate or suitable for any particular purpose. THE ADVAYA, LLC WEB SITE AND ITS CONTENTS ARE PROVIDED ON AN "AS IS" BASIS. USE OF THE WEB SITE AND ITS CONTENTS IS AT THE USER'S SOLE RISK. THE ADVAYA, LLC WEB SITE AND ITS CONTENTS ARE PROVIDED WITHOUT ANY REPRESENTATIONS, ENDORSEMENTS, OR WARRANTIES OF ANY KIND WHATSOEVER, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, ANY WARRANTIES OF TITLE OR ACCURACY AND ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, WITH THE SOLE EXCEPTION OF WARRANTIES (IF ANY) WHICH CANNOT BE EXPRESSLY EXCLUDED UNDER APPLICABLE LAW. AS NOTED BELOW, ADVAYA, LLC ALSO MAKES NO REPRESENTATIONS, ENDORESEMENTS, OR WARRANTIES, EITHER EXPRESS OR IMPLIED, WITH RESPECT TO ANY WEB SITE OPERATED BY A THIRD PARTY.

Limitation of Liability. IN NO EVENT WILL ADVAYA, LLC, AFFILIATES, CONTRACTORS OR AGENTS, OR THEIR RESPECTIVE DIRECTORS, OFFICERS OR EMPLOYEES BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, WHETHER UNDER A CONTRACT, TORT OR ANY OTHER THEORY OF LIABILITY, ARISING IN CONNECTION WITH ANY PARTY'S USE OF THE WEB SITE OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, LINE SYSTEM FAILURE, LOSS OF DATA, OR LOSS OF USE RELATED TO THIS WEB SITE OR ANY WEB SITE OPERATED BY ANY THIRD PARTY OR ANY CONTENTS OF THIS WEB SITE OR ANY OTHER WEB SITE, EVEN IF ADVAYA, LLC IS AWARE OF THE POSSIBILITY OF SUCH DAMAGES.

Risks and Limitations. Contents contained in any part of the Advaya, LLC web site are not investment advice. Such Contents are not intended and should not serve as the sole or primary basis for making any of your investment decisions. You should consult with a financial advisor to develop an investment program that takes into consideration your individual needs and circumstances. Advaya, LLC does not provide legal, tax or accounting advice in any part of its web site. You should consult with such professional advisors as you deem appropriate.  The Advaya, LLC web site is for information purposes only and no information on the web site should be construed as an offer to buy or sell any securities or related financial instruments.

Use of Web Site. Content included in the Advaya, LLC web site is solely for the personal use of Advaya, LLC web site users. You may not copy (other than a copy for personal, non-commercial use), modify, distribute, transmit, display, perform, reproduce, transfer, resell, or republish any of the Contents of the Advaya LLC web site without the prior written consent of Advaya, LLC, which may be withheld in its sole discretion. 

Copyrights and Other Intellectual Property. Except where otherwise expressly noted or as noted below, all Contents of the Advaya, LLC web site, including the graphics, icons and overall appearance of the Advaya, LLC web site, are the sole and exclusive property of Advaya, LLC. The posting of the Contents of the Advaya, LLC web site neither constitutes a waiver of any of Advaya, LLC's proprietary rights or any party's proprietary rights, including but not limited to, copyrights, trademarks, service marks, patents, and other intellectual property, nor a transfer by implication, estoppel, or otherwise of any such rights or of any license to the Advaya, LLC web site user or to any third party and nothing contained in the Advaya, LLC web site should be construed as granting any license or right to use any of the foregoing intellectual property rights without the express written permission of Advaya, LLC or such third party that may own such intellectual property rights. Contents of the Advaya, LLC web site are protected by United States and international copyright laws, both as individual works and as a collection and by United States and international trademark laws. You agree not to delete any copyright, trademark or similar notice from any Contents you obtain from the Advaya, LLC web site. Your use of any of the foregoing intellectual property rights or any Contents of the Advaya, LLC web site, except as provided herein, is strictly prohibited. The display of the above trademarks and service marks within this web site does not grant a license of any kind to the reader. Any downloading of Contents of this web site or any web site linked to this web site may be a violation of federal and other trademark laws and federal copyright laws.

Links to Other Web Sites. Advaya, LLC may establish links between this web site and one or more web sites operated by third parties. Advaya, LLC has no control over any such other web sites or the contents thereof and is not responsible for the contents of such web sites. The existence of any such links shall not constitute an endorsement by Advaya, LLC of such web sites, the contents of the web sites, or the operators of the web sites.

Transmission to and from this Web Site. Except where expressly indicated otherwise, transmission to and from this web site or directed to Advaya, LLC, including e-mails, are not sent in a secure form and can be intercepted by third parties and may not be immediately received by Advaya, LLC.  Any transmission to this web site, including e-mails shall be deemed and remain the property of Advaya, LLC. Advaya, LLC shall be free to use, for any purpose, any ideas, concepts, know-how, or techniques provided by a web site user to Advaya, LLC through this web site. 

Available Only Where Permitted by Law.  Advaya, LLC is a California Registered Investment Adviser. Advaya, LLC will only transact business in states in which the firm is properly registered, or exempted from registration requirements.  The products and services of Advaya, LLC are available only in the United States.

Modifications. Advaya, LLC may at any time make modifications, changes, and alterations to the Contents of this web site, including these Terms and Conditions, without prior notice. You are responsible for regularly reviewing these terms and conditions. Your continued use of this web site following any modifications, changes, or alterations shall constitute your acceptance of such modifications, changes, or alterations.

Severability. To the extent any portion of these Terms and Conditions is determined to be unenforceable by a court of competent jurisdiction, such portion will be modified by the court solely to the extent necessary to cause such portion to be enforceable, and these Terms and Conditions, as so modified, shall remain in full force and effect.

Waiver. No waiver by Advaya, LLC of any right under or term or provision of these Terms and Conditions will be deemed a waiver of any other right, term, or provision of these Terms and Conditions at that time or a waiver of that or any other right, term, or provision of these Terms and Conditions at any other time.