Important Disclaimers and Terms of Use

PLEASE READ THIS DISCLAIMER AND AGREEMENT CAREFULLY BEFORE ACCESSING OR USING THE CONSUMERADVISORYGROUP.COM WEBSITE (THE 'WEBSITE'). BY ACCESSING OR USING THE WEBSITE YOU ACKNOWLEDGE AND AGREE TO BE LEGALLY BOUND BY ALL OF THE TERMS CONTAINED HEREIN. IF YOU DO NOT WISH TO BE BOUND BY SUCH TERMS, YOU MAY NOT ACCESS OR OTHERWISE USE THE WEBSITE. THE RIGHT TO USE THE WEBSITE AND THE ACCESS PROVIDED TO YOU IS FOR YOU ONLY, AND CANNOT BE TRANSFERRED TO ANY OTHER PERSON OR ENTITY.

THE CONSUMER ADVISORY GROUP MAY MODIFY THESE TERMS AND AGREEMENT AT ANY TIME BY POSTING A MODIFIED VERSION ON ITS WEBSITE. IF YOU DO NOT WISH TO BE BOUND BY THE MODIFIED TERMS, YOU MUST SEND THE CONSUMER ADVISORY GROUP NOTICE OF TERMINATION TO OPTOUT@CONSUMERADVISORYGROUP.COM. UNLESS AND UNTIL WE RECEIVE SUCH NOTICE, YOUR CONTINUED ACCESS OR USE OF THE WEBSITE FOLLOWING POSTING OF THE MODIFIED AGREEMENT SHALL BE DEEMED YOUR ACCEPTANCE THEREOF. THE CONSUMER ADVISORY GROUP SHALL ALSO HAVE THE RIGHT AT ANY TIME TO CHANGE OR DISCONTINUE ANY ASPECT OR FEATURE OF THE WEBSITE INCLUDING, BUT NOT LIMITED TO, ALL OF ITS CONTENT.

1. Privacy Policy

The Consumer Advisory Group values its participants and will never send panel members unsolicited invitations or promotions. If you have previously opted into promotional communications from Consumer Advisory Group, you will continue to receive those messages until you notify them otherwise, in accordance with the instructions below.

You can opt-out at any time by unsubscribing to communications from Consumer Advisory Group. To stop receiving e-mail invitations to Consumer Advisory Group on-line surveys conducted by MarketTools, send an e-mail with the word "Remove" in the subject line to: optout@Consumeradvisorygroup.com. We will promptly update your preferences; however, it is possible that you may receive previously initiated invitations until your updated preferences are effective in our system.

By participating in a panel or survey, you are giving permission to the Consumer Advisory Group and its affiliates to use your responses for research purposes. You further agree that such research may be used by an affiliate of the Consumer Advisory Group on its own or in conjunction with other research to formulate and investment idea or strategy.

2. User Conduct

(a) You shall use the Website for lawful purposes only. You shall not post or transmit through the Website any material which violates or infringes in any way upon the rights of others (including intellectual property rights), which is unlawful, false, threatening, abusive, defamatory, harassing, invasive of privacy or publicity rights, vulgar, obscene, profane or otherwise objectionable, which encourages conduct that would constitute a criminal offense, give rise to civil liability or otherwise violate any law, or which, without the Consumer Advisory Group's express prior approval, contains advertising or any solicitation with respect to products or services. Any conduct that in the Consumer Advisory Group's discretion restricts or inhibits any other user from using or enjoying the Website will not be permitted. You shall not use the Website to advertise or perform any commercial solicitation, including, but not limited to, the solicitation of users to become subscribers of other online information services competitive with CONSUMERADVISORYGROUP.COM.

(b) If you agree to participate in any panel, your participation will involve completing a survey which should typically take no more than 10-20 minutes. You may choose not to answer some or all of the questions. You may leave the survey at any time before completing it. There are no known risks from your participation and no direct benefit from your participation is expected. There is no cost to you except for your time and you are not compensated monetarily for your participation. Panel members may receive prizes, rewards or sweepstake entries which are non-transferable. No substitution or cash equivalent of prizes or rewards will be permitted.

(c) By submitting material to the Website, you automatically warrant that such material is royalty-free and perpetual, and grant to the Consumer Advisory Group and its affiliates an irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate and distribute such material (in whole or in part) worldwide, and/or to incorporate it in other works in any form, media or technology now known or hereafter developed for the full term of any copyright that may exist in such material. You hereby grant the Consumer Advisory Group and its affiliates the right to edit, copy, publish and distribute any material made available on the Website by you.

3. Disclaimer of Warranty; Limitation of Liability

(a) YOU EXPRESSLY AGREE THAT USE OF THE WEBSITE IS AT YOUR SOLE RISK. ANY CONTENT IS NOT PROMISED OR GUARANTEED TO BE CORRECT, COMPLETE OR UP-TO-DATE. THE WEBSITE IS PROVIDED ON AN "AS IS "AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE, OR NONINFRINGEMENT.

(b) NEITHER THE CONSUMER ADVISORY GROUP, ITS AFFILIATES NOR ANY OF THEIR RESPECTIVE EMPLOYEES, AGENTS, THIRD PARTY CONTENT PROVIDERS OR LICENSORS WARRANT THAT CONSUMERADVISORYGROUP.COM WILL BE UNINTERRUPTED OR ERROR FREE; NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE WEBSITE, OR AS TO THE ACCURACY OR RELIABILITY OF ANY CONTENT PROVIDED ON OR THROUGH THE WEBSITE, IF ANY. FURTHERMORE, THERE ARE NO WARRANTIES AS TO THE RESULTS OBTAINED FROM THE USE OF THE CONTENT.

(c) IN NO EVENT WILL THE CONSUMER ADVISORY GROUP, OR ANY PERSON OR ENTITY INVOLVED IN CREATING, PRODUCING OR DISTRIBUTING THE WEBSITE, BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES BASED UPON OR ARISING OUT OF THE USE OF OR INABILITY TO USE THE WEBSITE. YOU HEREBY ACKNOWLEDGE THAT THE PROVISIONS OF THIS SECTION SHALL APPLY TO ALL CONTENT ON THE WEBSITE. IN ANY EVENT, THE CONSUMER ADVISORY GROUP'S MAXIMUM TOTAL LIABILITY TO YOU FOR ANY REASON AND UPON ANY CAUSE OF ACTION SHALL BE LIMITED TO DIRECT DAMAGES NOT TO EXCEED 25 DOLLARS ($25.00).

(d) THIS DISCLAIMER OF LIABILITY APPLIES TO ANY DAMAGES OR INJURY CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DELETION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS, COMMUNICATION LINE FAILURE, THEFT, DESTRUCTION, UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION. THIS DISCLAIMER FURTHER APPLIES TO ANY DAMAGES OR INJURY CAUSED BY ANY ERRORS, INACCURACIES, OMISSIONS, OR OTHER DEFECTS IN, OR UNTIMELINESS OR UNAUTHENTICITY OF, THE CONTENT OR ANY OF THE PRODUCTS OR SERVICES REFERRED TO IN THE CONTENT. THE CONSUMER ADVISORY GROUP SHALL NOT BE LIABLE FOR ANY THIRD-PARTY CLAIMS OR LOSSES OF ANY NATURE, INCLUDING, BUT NOT LIMITED TO, ANY CLAIMS OR LOSSES RELATING TO ANY PRODUCTS OR SERVICES REFERRED TO AT ANY TIME IN THE CONTENT, LOST PROFITS, PUNITIVE OR CONSEQUENTIAL DAMAGES. YOU SPECIFICALLY ACKNOWLEDGE THAT THE CONSUMER ADVISORY GROUP IS NOT LIABLE FOR THE DEFAMATORY, OFFENSIVE OR ILLEGAL CONDUCT OF OTHER USERS OR THIRD PARTIES, AND THAT THE RISK OF INJURY FROM THE FOREGOING RESTS ENTIRELY WITH YOU.

(E) THE CONSUMER ADVISORY GROUP DOES NOT INTEND ANY REFERENCES TO ENTITIES, PRODUCTS OR SERVICES IN THE CONTENT OR ANY LINKS ON THE WEBSITE, IF ANY, TO BE ENDORSEMENTS OF SUCH ENTITIES, PRODUCTS OR SERVICES. THE CONSUMER ADVISORY GROUP IS NOT AFILIATED WITH, OR SPONSORED OR ENDORSED BY ANY CONSUMER PRODUCT RATING SERVICE.

4. Monitoring

The Consumer Advisory Group shall have the right, but not the obligation, to monitor the use and content of the Website to determine compliance with this Agreement and any operating rules established, and to satisfy any law, regulation or authorized government request. The Consumer Advisory Group shall have the right, in its sole discretion, to edit, refuse to post, or remove any material submitted to or posted on the Website. Without limiting the foregoing, the Consumer Advisory Group shall have the right to remove any material that it, in its sole discretion, finds to be in violation of the provisions hereof, or otherwise objectionable.

5. Indemnification

You agree to defend, indemnify and hold harmless the Consumer Advisory Group, its affiliates and their respective directors, officers, employees and agents from and against all claims and expenses, including attorneys' fees, based upon or arising out of your use of the Website.

6. Termination

You or the Consumer Advisory Group may terminate this Agreement, and the right to access the Website at any time. The provisions of Sections 2, 3, 5, 7, 8. 9 and 10 shall survive termination of this Agreement.

7. Non-Solicitation

The Consumer Advisory Group and the website is sponsored by MKM Partners LLC, a registered broker-dealer, Member FINRA/SIPC. Nothing on this site constitutes an invitation or offer to invest or deal in the securities or products managed by such advisor affiliate. As noted above, by participating in a panel or survey, you are giving permission to the Consumer Advisory Group and its affiliates to use your responses for research purposes. You further agree that such research collected may be shared with an advisor affiliate of the Consumer Advisory Group (on its own or in conjunction with other research) to formulate investment ideas or strategies. Lastly, you agree that your response may be shared with the retailers, manufacturers and other companies associated with the products or services referenced in a survey.

Thank you.

 

* The Consumer Advisory Group is sponsored by MKM Partners LLC, a registered broker-dealer, Member FINRA/SIPC in conjunction with Market Tools, a leader in providing on-line research platforms.