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You may use Advisor Navigator under the Terms and Conditions on this page. Please read this page carefully. By using our Web site and other associated services, you accept the Terms and Conditions stated and agree to be entirely bound to this agreement. Advisor Navigator (the "Company") may revise these Terms and Conditions at any time by updating this posting, thus "You" or "User" (referring to the individuals accessing this Web site) should review the Terms and Conditions periodically since you are obligated to them.

When you register for the Web Site, you will be asked to provide the Company with certain information including, without limitation, a valid e-mail address (your "Information"). In addition to the terms and conditions that may be set forth in any privacy policy on this Web Site, you understand and agree that the Company may disclose to third parties, on an anonymous basis, certain aggregate information contained in your registration application. The Company will not disclose to any third party your name, address, e-mail address or telephone number without your prior consent, except to the extent necessary or appropriate to comply with applicable laws or in legal proceedings where such information is relevant. If you are a registered member your contact information however will be listed on your profile page and will be available for public access.

The Material may contain inaccuracies or typographical errors. The Company makes no representations about the accuracy, reliability, completeness, or timeliness of the Web Site or the Material. The use of the Web Site and the Material is at your own risk. Changes are periodically made to the Web Site and may be made at any time. You acknowledge and agree that you are solely responsible for the form, content and accuracy of any profile or material contained therein placed by you on the Web Site. Employers are solely responsible for their postings on the Web Site. The Company is not to be considered to be an employer with respect to your use of the Web Site and the Company shall not be responsible for any employment decisions, for whatever reason made, made by any entity posting jobs on the Web Site. The aggregate liability for the Company to you for all claims arising from the use of the Materials is limited to $100.

The Web Site contains links to third party web sites. The Company is not responsible for the content of linked third party sites and does not make any representations regarding the content or accuracy of materials on such third party Web sites. If you decide to access linked third party Web sites, you do so at your own risk.

Your privacy is important to Advisor Navigator. This privacy statement provides information about the personal information that Advisor Navigator collects, and the ways in which Advisor Navigator uses that personal information.

Advisor Navigator may collect and use the following kinds of personal information:

• [information about your use of this website  ]
• [information that you provide using for the purpose of registering with the website  ]
• [information about transactions carried out over this website  ]
• [information that you provide for the purpose of subscribing to the website services  ]
• [any other information that you send to Advisor Navigator.]

Advisor Navigator may use your personal information to:

• [administer this website;]
• [personalize the website for you;]
• [enable your access to and use of the website services;]
• [publish information about you on the website;]
• [send to you products that you purchase;]
• [supply to you services that you purchase;]
• [send you statements and invoices;]
• [collect payments from you; and]
• [send you marketing communications.]
• [The email address you provide for order processing, may be used to send you information and updates pertaining to your order, in addition to periodic company news, updates, and/or related product or service information, etc.]

Where Advisor Navigator discloses your personal information to its agents or sub-contractors for these purposes, the agent or sub-contractor in question will be obligated to use that personal information in accordance with the terms of this privacy statement. In addition to the disclosures reasonably necessary for the purposes identified elsewhere above, Advisor Navigator may disclose your personal information to the extent that it is required to do so by law, in connection with any legal proceedings or prospective legal proceedings, and in order to establish, exercise or defend its legal rights.

Advisor Navigator will take reasonable technical and organizational precautions to prevent the loss, misuse or alteration of your personal information. Advisor Navigator will store all the personal information you provide on its secure servers.

[Information relating to electronic transactions entered into via this website will be protected by encryption technology.]

Information that Advisor Navigator collects may be stored and processed in and transferred between any of the countries in which Advisor Navigator operates to enable the use of the information in accordance with this privacy policy.

[In addition, personal information that you submit for publication on the website will be published on the internet and may be available around the world.] You agree to such cross-border transfers of personal information.

Advisor Navigator may update this privacy policy by posting a new version on this website. You should check this page occasionally to ensure you are familiar with any changes.

The Company reserves the right, at its sole discretion, to immediately terminate your registration with or ability to access the Web Site and/or any other service provided to you by the Company, upon any breach by you of this Agreement.

This website is provided "as is" without any representations or warranties, express or implied.  Advisor Navigator makes no representations or warranties in relation to this website or the information and materials provided on this website.

Without prejudice to the generality of the foregoing paragraph, Advisor Navigator does not warrant that:

• this website will be constantly available, or available at all; or
• the information on this website is complete, true, accurate or non-misleading.

Nothing on this website constitutes, or is meant to constitute, advice of any kind.  [If you require advice in relation to any [legal, financial or medical] matter you should consult an appropriate professional.]

You agree to defend, indemnify, and hold harmless the Company, its officers, directors, employees and agents, from and against any claims, actions or demands, including without limitation reasonable legal and accounting fees, alleging or resulting from your use of the Material or your breach of the terms of this Agreement. The Company shall provide notice to you promptly of any such claim, suit, or proceeding and shall assist you, at your expense, in defending any such claim, suit or proceeding.