1. Disclaimer of Warranties and Liabilities

Please read the ExchangeAlert Disclosure, which is incorporated herein by reference.

ExchangeAlert provides a broad range of information, commentary and entertainment. We cannot and do not warrant the completeness or accuracy of the content found on our website or in our newsletters or its usefulness for any particular purpose. We think we have the most talented and hard working “web experts” in the business, but ExchangeAlert makes no promises that our content or any of our offerings will be delivered to you uninterrupted, timely, secure or error-free. In fact, we’re not making ANY promises or warranties except that we’ll do our best to provide interesting and helpful information, education, entertainment, and we’ll even add in humor from time to time. Let’s have some fun at this! Other than that, we know we will be wrong at times, make poor judgments, do dumb things and make mistakes, but we hope we get it right most of the time!

So what does all this mean? It’s just not meant to be standard “boilerplate” that has no meaning. It means that you agree that under no circumstances will ExchangeAlert, its employees or its agents be liable for direct, indirect, incidental or any other type of damages resulting from your use or downloading of any material on our website or newsletters, even if we have been advised of the possibility of such damages. This includes, but is not limited to, loss or injury caused in whole or in part by our negligence or other factors beyond our control in creating or delivering any of the services we offer.

One of the principal convictions at ExchangeAlert is that the best person to handle your finances is YOU and by your use of our services, you're agreeing that you bear responsibility for your own investment research and investment decisions. You also agree that ExchangeAlert, its directors, its employees and its agents will not be liable for any investment decision made or action taken by you and others based upon reliance on news, information, opinion or any other material published through our services. ExchangeAlert relies on various sources of information that we believe to be accurate and reliable. There are literally thousands of sources with incredibly interesting and insightful information and opinions to share. But we can't and won't take responsibility, or make any claims or representations, for the accuracy, completeness, or even the truth of every bit of data, information, and opinion provided through our services. Remember: all information and content provided on or by ExchangeAlert is to be used on an "as is” basis.

Additionally, we're not registered investment advisers and we cannot provide personalized advice. We can't know all the relevant facts about you and your particular needs, and we cannot claim or represent that any particular services are suitable for you. If you want personal advice, then you should seek a registered investment adviser.

EXCHANGE ALERT MAKES NO WARRANTY THAT THE QUALITY OF ANY NEWSLETTERS, SERVICES, INFORMATION, OR OTHER MATERIAL THAT YOU PURCHASE OR OBTAIN FROM THE USE OF OUR SERVICES WILL MEET YOUR EXPECTATIONS OR THAT ANY ERRORS WILL BE IMMEDIATELY CORRECTED. EXCHANGE ALERT MAKES NO WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED INCLUDING, WITHOUT LIMITATION, WITH RESPECT TO OUR WEBSITE, ANY CONTENT, OR ANY OF OUR NEWSLETTERS OR SERVICES. YOU EXPRESSLY AGREE THAT YOU WILL ASSUME THE ENTIRE RISK AS TO THE QUALITY AND THE PERFORMANCE OF OUR SERVICES AND THE ACCURACY OR COMPLETENESS OF ITS CONTENT.

2.Intellectual Property

All of the content on our website, our newsletters and any service we provide is protected by U.S. and international copyright laws and is the property of ExchangeAlert. By "content" we mean any information, type of expression, or other materials and services found on ExchangeAlert. You can find out more information on Copyright Law and the Internet at www.fairuse.stanford.edu

3. And lastly…

If any provision in this Agreement is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect. This Agreement is and will always be governed by the laws of the United States of America and the State of California. All personal data is maintained in the United States under the terms of our Privacy Policy, which is also incorporated by reference. Please read our privacy policy for full and complete information on our strict policies.

These Terms of Use including those that are incorporated by reference, constitute the entire and only agreement between you and ExchangeAlert.

Whew, that’s over. Probably not the most intriguing thing you have read in awhile, but we feel obligated to put it out there. Thanks for your patience. Now can we have fun?