SERVICE AGREEMENT/TERMS OF USE

ACCEPTANCE OF TERMS

The services that Finance Score Solutions. (FSS) provides to User is subject to the following Terms of Use (“TOU”). Finance Score Solutions. (FSS) reserves the right to update the TOU at any time without notice to the User. The most current version of the TOU can be reviewed by clicking on the “Terms of Use” hypertext link located at the bottom of our Web pages. 

This Agreement, which incorporates by reference other provisions applicable to use of financescores.com, including, but not limited to, supplemental terms and conditions set forth hereof (“Supplemental Terms”) governing the use of certain specific material contained in financescores.com, sets forth the terms and conditions that apply to use of financescores.com by User. By using Finance Score Solutions. (FSS) (other than to read this Agreement for the first time), the User agrees to comply with all of the terms and conditions hereof. The right to use financescores.com is personal to the User and is not transferable to any other person or entity. User is responsible for all use of User’s Account (under any screen name or password) and for ensuring that all use of User’s Account complies fully with the provisions of this Agreement. User shall be responsible for protecting the confidentiality of User’s password(s) if any. 

Finance Scores Solutions. (FSS) shall have the right at any time to change or discontinue any aspect or feature of financescores.com including, but not limited to, content, hours of availability, and equipment needed for access or use. 

Changed Terms

Finance Scores Solutions. (FSS) shall have the right at any time to change or modify the terms and conditions applicable to User’s use of financescores.com, or any part thereof, or to impose new conditions, including, but not limited to, adding fees and charges for use. Such changes, modifications, additions, or deletions shall be effective immediately upon notice thereof, which may be given by means including, but not limited to, posting on www.charlesfinancialgroup.com, or by electronic or conventional mail, or by any other means by which User obtains notice thereof. Any use of financescores.com by User after such notice shall be deemed to constitute acceptance by User of such changes, modifications, or additions. 

DESCRIPTION OF SERVICES

Through its Web property, Finance Score Solutions (FSS) provides Users with access to a variety of resources, including download areas, communication forums, and product information (collectively “Services”). The Services, including any updates, enhancements, new features, and/or the addition of any new Web properties, are subject to the TOU. 

Equipment

User shall be responsible for obtaining and maintaining all telephone, computer hardware, software, and other equipment needed for access to and use of financescores.com and all charges related thereto. 

User Conduct

User shall use financescores.com for lawful purposes only. User shall not post or transmit through financescores.com any material which violates or infringes in any way upon the rights of others, which is unlawful, threatening, abusive, defamatory, 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 Finance Score Solutions. (FSS) ‘s express prior approval, contains advertising or any solicitation with respect to products or services. Any conduct by a User that in Finance Score Solutions. (FSS)  discretion restricts or inhibits any other user from using or enjoying financescores.com will not be permitted. Users shall not use financescores.com to advertise or perform any commercial solicitation, including, but not limited to, the solicitation of users to become subscribers of other on-line information services competitive with Finance Score Solutions. (FSS) . 

financescores.com contains copyrighted material, trademarks, and other proprietary information, including, but not limited to, text, software, photos, video, graphics, music and sound, and the entire contents of financescores.com are copyrighted as a collective work under the United state America copyright laws. Finance Score Solutions. (FSS) owns a copyright in the selection, coordination, arrangement, and enhancement of such content, as well as in the content original to it. User may not modify, publish, transmit, participate in the transfer or sale, create derivative works, or in any way exploit, any of the content, in whole or in part. User may download copyrighted material for User’s personal use only. Except as otherwise expressly permitted under copyright law, no copying, redistribution, retransmission, publication, or commercial exploitation of downloaded material will be permitted without the express permission of Charles & Assoc. Financial Group Llc. (CFG)  and the copyright owner. In the event of any permitted copying, redistribution, or publication of copyrighted material, no changes in or deletion of author attribution, trademark legend, or copyright notice shall be made. The user acknowledges that it does not acquire any ownership rights by downloading copyrighted material. 

User shall not upload, post, or otherwise make available on www.charlesfinancialgroup.com any material protected by copyright, trademark, or other proprietary rights without the express permission of the owner of the copyright, trademark, or other proprietary right and the burden of determining that any material is not protected by copyright rests with User. User shall be solely liable for any damage resulting from any infringement of copyrights, proprietary rights, or any other harm resulting from such a submission. By submitting material to any public area of www.charlesfinancialgroup.com, the User automatically grants, or warrants that the owner of such material has expressly granted Charles & Assoc. Financial Group Llc. (CFG) the royalty-free, perpetual, 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. The user also permits any other User to access, view, store, or reproduce the material for that User’s personal use. User hereby grants Charles & Assoc. Financial Group Llc. (CFG) the right to edit, copy, publish and distribute any material made available on www.charlesfinanacialgroup.com by User. 

The foregoing provisions of Section 5 are for the benefit of Charles & Assoc. Financial Group Llc. (CFG), its subsidiaries, affiliates, and its third-party content providers and licensors, and each shall have the right to assert and enforce such provisions directly or on its own behalf. 

USE OF SERVICES

The Services may contain e-mail services, bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, photo albums, file cabinets, and/or other message or communication facilities designed to enable User to communicate with others (each a “Communication Service” and collectively “Communication Services”). User agrees to use the Communication Services only to post, send and receive messages and material that are proper and, when applicable, related to the particular Communication Service. By way of example, and not as a limitation, the User agrees that when using the Communication Services, User will not: 

Use the Communication Services in connection with surveys, contests, pyramid schemes, chain letters, junk email, spamming, or any duplicative or unsolicited messages (commercial or otherwise). 

Defame, abuse, harass, stalk, threaten, or otherwise violate the legal rights (such as rights of privacy and publicity) of others. 

Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, obscene, indecent, or unlawful topic, name, material, or information. 

Upload, or otherwise make available, files that contain images, photographs, software, or other material protected by intellectual property laws, including, by way of example, and not as a limitation, copyright, or trademark laws (or by rights of privacy of publicity) unless User owns or control the rights thereto or have received all necessary consent to do the same. 

Use any material or information, including images or photographs, which are made available through the Services in any manner that infringes any copyright, trademark, patent, trade secret, or other proprietary rights of any party. 

Upload files that contain viruses, Trojan horses, worms, time bombs, cancelbots, corrupted files, or any other similar software or programs that may damage the operation of another’s computer or property of another. 

Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Services specifically allows such messages. 

Download any file posted by another user of a Communication Service that User knows, or reasonably should know, cannot be legally reproduced, displayed, performed, and/or distributed in such manner. 

Falsify or delete any copyright management information, such as author attributions, legal or other proper notices or proprietary designations, or labels of the origin or source of software or other material contained in a file that is uploaded.  Restrict or inhibit any other user from using and enjoying the Communication Services.  Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service. 

Harvest or otherwise collect information about others, including e-mail addresses.  Violate any applicable laws or regulations.  Create a false identity for the purpose of misleading others. 

Use, download or otherwise copy, or provide (whether or not for a fee) to a person or entity any directory of users of the Services or other user or usage information or any portion thereof. 

Charles & Assoc. Financial Group Llc. (CFG) has no obligation to monitor the Communication Services. However, Charles & Assoc. Financial Group Llc. (CFG) reserves the right to review materials posted to the Communication Services and to remove any materials at its sole discretion. Charles & Assoc. Financial Group Llc. (CFG) reserves the right to terminate the User’s access to any or all of the Communication Services at any time, without notice, for any reason whatsoever. Charles & Assoc. Financial Group Llc. (CFG) reserves the right at all times to disclose any information as it deems necessary to satisfy any applicable law, regulation, legal process, or governmental request, or to edit, refuse to post, or to remove any information or materials, in whole or in part, in Charles & Assoc. Financial Group Llc. (CFG) sole discretion. 

Materials uploaded to the Communication Services may be subject to posted limitations on usage, reproduction, and/or dissemination; the User is responsible for adhering to such limitations if User downloads the materials. Always use caution when giving out any personally identifiable information in any Communication Services. Charles & Assoc. Financial Group Llc. (CFG) does not control or endorse the content, messages, or information found in any Communication Services and, therefore, Charles & Assoc. Financial Group Llc. (CFG) specifically disclaims any liability with regard to the Communication Services and any actions resulting from User’s participation in any Communication Services. Managers and hosts are not authorized by Charles & Assoc. Financial Group Llc. (CFG) spokespersons and their views do not necessarily reflect those of Charles & Assoc. Financial Group Llc. (CFG). 

MEMBER ACCOUNT, PASSWORD, AND SECURITY

If any of the Services requires the User to open an account, the User must complete the registration process by providing Charles & Assoc. Financial Group Llc. (CFG) with current, complete, and accurate information as prompted by the applicable registration form. Users also will choose a password and a user name. The user is entirely responsible for maintaining the confidentiality of the User’s password and account. Furthermore, the User is entirely responsible for any and all activities that occur under the User’s account. User agrees to notify Charles & Assoc. Financial Group Llc. (CFG) immediately of any unauthorized use of the User’s account or any other breach of security. Charles & Assoc. Financial Group Llc. (CFG) will not be liable for any loss that User may incur as a result of someone else using User’s password or account, either with or without User’s knowledge. However, the user could be held liable for losses incurred by Charles & Assoc. Financial Group Llc. (CFG) or another party due to someone else using the User’s account or password. The user may not use anyone else’s account at any time, without the permission of the account holder. 

NOTICE SPECIFIC TO SOFTWARE AVAILABLE ON THIS WEBSITE

Any software that is made available to download from the Services (“Software”) is the copyrighted work of Charles & Assoc. Financial Group Llc. (CFG) and/or its suppliers. Use of the Software is governed by the terms of the end-user license agreement, if any, which accompanies or is included with the Software (“License Agreement”). An end-user will be unable to install any Software that is accompanied by or includes a License Agreement unless he or she first agrees to the License Agreement terms. 

The Software is made available for download solely for use by end users according to the License Agreement. Any reproduction or redistribution of the Software not in accordance with the License Agreement is expressly prohibited by law and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible. 

WITHOUT LIMITING THE FOREGOING, COPYING OR REPRODUCTION OF THE SOFTWARE TO ANY OTHER SERVER OR LOCATION FOR FURTHER REPRODUCTION OR REDISTRIBUTION IS EXPRESSLY PROHIBITED, UNLESS SUCH REPRODUCTION OR REDISTRIBUTION IS EXPRESSLY PERMITTED BY THE LICENSE AGREEMENT ACCOMPANYING SUCH SOFTWARE. THE SOFTWARE IS WARRANTED, IF AT ALL, ONLY ACCORDING TO THE TERMS OF THE LICENSE AGREEMENT. EXCEPT AS WARRANTED IN THE LICENSE AGREEMENT, CHARLES & ASSOC. FINANCIAL GROUP LLC. (CFG) HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH REGARD TO THE SOFTWARE, INCLUDING ALL WARRANTIES AND CONDITIONS OF MERCHANTABILITY, WHETHER EXPRESS, IMPLIED, OR STATUTORY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. 

FOR YOUR CONVENIENCE, CHARLES & ASSOC. FINANCIAL GROUP LLC. (CFG) MAY MAKE AVAILABLE AS PART OF THE SERVICES OR IN ITS SOFTWARE PRODUCTS, TOOLS, AND UTILITIES FOR USE AND/OR DOWNLOAD.  CHARLES & ASSOC. FINANCIAL GROUP LLC. (CFG) DO NOT MAKE ANY ASSURANCES WITH REGARD TO THE ACCURACY OF THE RESULTS OR OUTPUT THAT DERIVES FROM SUCH USE OF ANY SUCH TOOLS AND UTILITIES. PLEASE RESPECT THE INTELLECTUAL PROPERTY RIGHTS OF OTHERS WHEN USING THE TOOLS AND UTILITIES MADE AVAILABLE ON THE SERVICES.

NOTICE SPECIFIC TO DOCUMENTS AVAILABLE ON THIS WEBSITE

Permission to use Documents (such as white papers, press releases, datasheets, and FAQs) from the Services is granted, provided that (1) the below copyright notice appears in all copies and that both the copyright notice and this permission notice appear, (2) use of such Documents from the Services is for informational and non-commercial or personal use only and will not be copied or posted on any network computer or broadcast in any media, and (3) no modifications of any Documents are made. Accredited educational institutions, such as universities, private/public colleges, and state community colleges, may download and reproduce the Documents for distribution in the classroom. Distribution outside the classroom requires express written permission. Use for any other purpose is expressly prohibited by law and may result in severe civil and criminal penalties. Violators will be prosecuted to the maximum extent possible. 

 CHARLES & ASSOC. FINANCIAL GROUP LLC. (CFG)  AND/OR ITS RESPECTIVE SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY OF THE INFORMATION CONTAINED IN THE DOCUMENTS AND RELATED GRAPHICS PUBLISHED AS PART OF THE SERVICES FOR ANY PURPOSE. ALL SUCH DOCUMENTS AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT A WARRANTY OF ANY KIND. CHARLES & ASSOC. FINANCIAL GROUP LLC. (CFG) AND/OR ITS RESPECTIVE SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, INCLUDING ALL WARRANTIES AND CONDITIONS OF MERCHANTABILITY, WHETHER EXPRESS, IMPLIED, OR STATUTORY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. IN NO EVENT SHALL CHARLES & ASSOC. FINANCIAL GROUP LLC. (CFG) AND/OR ITS RESPECTIVE SUPPLIERS BE LIABLE FOR ANY SPECIAL, INDIRECT, OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER RESULTING FROM LOSS OF USE, DATA OR PROFITS, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTION, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF INFORMATION AVAILABLE FROM THE SERVICES. 

THE DOCUMENTS AND RELATED GRAPHICS PUBLISHED ON THE SERVICES COULD INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. CHARLES & ASSOC. FINANCIAL GROUP LLC. (CFG) AND/OR ITS RESPECTIVE SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE PRODUCT(S) AND/OR THE PROGRAM(S) DESCRIBED HEREIN AT ANY TIME. 

NOTICES REGARDING SOFTWARE, DOCUMENTS, AND SERVICES AVAILABLE ON THIS SITE

IN NO EVENT SHALL CHARLES & ASSOC. FINANCIAL GROUP LLC. (CFG) AND/OR ITS RESPECTIVE SUPPLIERS BE LIABLE FOR ANY SPECIAL, INDIRECT, OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER RESULTING FROM LOSS OF USE, DATA OR PROFITS, WHETHER IN AN ACTION OF CONTRACT, NEGLIGENCE, OR OTHER TORTIOUS ACTION, ARISING OUT OF OR IN CONNECTION WITH THE USE OR PERFORMANCE OF SOFTWARE, DOCUMENTS, PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR INFORMATION AVAILABLE FROM THE SERVICES. 

MATERIALS PROVIDED TO CHARLES & ASSOC. FINANCIAL GROUP LLC OR POSTED ON ANY OF ITS WEBSITES

Charles & Assoc. Financial Group Llc. (CFG) does not claim ownership of the materials User provides to Charles & Assoc. Financial Group Llc. (CFG) (including feedback and suggestions) or post, upload, input or submit to any Services or its associated services for review by the general public, or by the members of any public or private community, (each a “Submission” and collectively “Submissions”). However, by posting, uploading, inputting, providing, or submitting (“Posting”) User’s Submission User is granting Charles & Assoc. Financial Group Llc. (CFG), its affiliated companies and necessary sublicensees permission to use User’s Submission in connection with the operation of their Internet businesses (including, without limitation, all Charles & Assoc. Financial Group Llc. (CFG) Services), including, without limitation, the license rights to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat User’s Submission; to publish User’s name in connection with User’s Submission; and the right to sublicense such rights to any supplier of the Services. 

No compensation will be paid with respect to the use of the User’s Submission, as provided herein. Charles & Assoc. Financial Group Llc. (CFG) is under no obligation to post or use any Submission User may provide and Charles & Assoc. Financial Group Llc. (CFG) may remove any Submission at any time in its sole discretion. By Posting Submission User warrants and represents to own or otherwise control all of the rights to User’s Submission as described in these Terms of Use including, without limitation, all the rights necessary for User to provide, post, upload, input or submit the Submissions. 

In addition to the warranty and representation set forth above, by Posting a Submission that contains images, photographs, pictures or that are otherwise graphical in whole or in part (“Images”), the User warrant and represents that (a) User is the copyright owner of such Images, or that the copyright owner of such Images has granted User permission to use such Images or any content and/or images contained in such Images consistent with the manner and purpose of User’s use and as otherwise permitted by these Terms of Use and the Services, (b) User have the rights necessary to grant the licenses and sublicenses described in these Terms of Use, and (c) that each person depicted in such Images, if any, has provided consent to the use of the Images as set forth in these Terms of Use, including, by way of example, and not as a limitation, the distribution, public display and reproduction of such Images. By Posting Images, the User is granting (a) to all members of User’s private community (for each such Images available to members of such private community), and/or (b) to the general public (for each such Images available anywhere on the Services, other than a private community), permission to use User’s Images in connection with the use, as permitted by these Terms of Use, of any of the Services, (including, by way of example, and not as a limitation, making prints and gift items which include such Images), and including, without limitation, a non-exclusive, worldwide, royalty-free license to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat User’s Images without having User’s name attached to such Images, and the right to sublicense such rights to any supplier of the Services. The licenses granted in the preceding sentences for Images will terminate at the time User completely removes such Images from the Services, provided that, such termination shall not affect any licenses granted in connection with such Images prior to the time User completely remove such Images. No compensation will be paid with respect to the use of the User’s Images. 

Disclaimer of Warranty; Limitation of Liability

USER EXPRESSLY AGREES THAT USE OF [WEB SITE] IS AT USER’S SOLE RISK. NEITHER CHARLES & ASSOC. FINANCIAL GROUP LLC. (CFG), ITS AFFILIATES NOR ANY OF THEIR RESPECTIVE EMPLOYEES, AGENTS, THIRD-PARTY CONTENT PROVIDERS, OR LICENSORS WARRANT THAT WWW.CHARLESFINANCIALGROUP.COM WILL BE UNINTERRUPTED OR ERROR-FREE; NOR DO THEY MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF WWW.CHARLESFINANCIALGROUP.COM, OR AS TO THE ACCURACY, RELIABILITY OR CONTENT OF ANY INFORMATION, SERVICE, OR MERCHANDISE PROVIDED THROUGH WWW.CHARLESFINANCISLGROUP.COM

WWW.CHARLESFINANCIALGROUP.COM IS PROVIDED ON AN “AS IS” 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, OTHER THAN THOSE WARRANTIES WHICH ARE IMPLIED BY AND INCAPABLE OF EXCLUSION, RESTRICTION OR MODIFICATION UNDER THE LAWS APPLICABLE TO THIS AGREEMENT. 

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 OR DESTRUCTION OR UNAUTHORIZED ACCESS TO, ALTERATION OF, OR USE OF RECORD, WHETHER FOR BREACH OF CONTRACT, TORTIOUS BEHAVIOR, NEGLIGENCE, OR UNDER ANY OTHER CAUSE OF ACTION. USER SPECIFICALLY ACKNOWLEDGES THAT CHARLES & ASSOC. FINANCIAL GROUP LLC. (CFG) 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 THE USER. 

IN NO EVENT WILL CHARLES & ASSOC. FINANCIAL GROUP LLC. (CFG), OR ANY PERSON OR ENTITY INVOLVED IN CREATING, PRODUCING, OR DISTRIBUTING WWW.CHARLESFINANCIALGROUP.COM OR THE CHARLES & ASSOC. FINANCIAL GROUP LLC. (CFG) SOFTWARE, BE LIABLE FOR ANY DAMAGES, INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF THE USE OF OR INABILITY TO USE WWW.CHARLESFINANCIALGROUP.COM. USER HEREBY ACKNOWLEDGES THAT THE PROVISIONS OF THIS SECTION SHALL APPLY TO ALL CONTENT ON THE SITE. 

IN ADDITION TO THE TERMS SET FORTH ABOVE NEITHER, CHARLES & ASSOC. FINANCIAL GROUP LLC. (CFG), NOR ITS AFFILIATES, INFORMATION PROVIDERS, OR CONTENT PARTNERS SHALL BE LIABLE REGARDLESS OF THE CAUSE OR DURATION, FOR ANY ERRORS, INACCURACIES, OMISSIONS, OR OTHER DEFECTS IN, OR UNTIMELINESS OR UNAUTHENTICITY OF, THE INFORMATION CONTAINED WITHIN WWW.CHARLESFINANCIALGROUP.COM, OR FOR ANY DELAY OR INTERRUPTION IN THE TRANSMISSION THEREOF TO THE USER, OR FOR ANY CLAIMS OR LOSSES ARISING THEREFROM OR OCCASIONED THEREBY. NONE OF THE FOREGOING PARTIES SHALL BE LIABLE FOR ANY THIRD-PARTY CLAIMS OR LOSSES OF ANY NATURE, INCLUDING, BUT NOT LIMITED TO, LOST PROFITS, PUNITIVE OR CONSEQUENTIAL DAMAGES. 

PRIOR TO THE EXECUTION OF A STOCK TRADE, USERS ARE ADVISED TO CONSULT WITH THEIR BROKER OR OTHER FINANCIAL REPRESENTATIVE TO VERIFY PRICING OR OTHER INFORMATION. CHARLES & ASSOC. FINANCIAL GROUP LLC. (CFG), ITS AFFILIATES, INFORMATION PROVIDERS, OR CONTENT PARTNERS SHALL HAVE NO LIABILITY FOR INVESTMENT DECISIONS BASED ON THE INFORMATION PROVIDED. NEITHER, CHARLES & ASSOC. FINANCIAL GROUP LLC. (CFG), NOR ITS AFFILIATES, INFORMATION PROVIDERS OR CONTENT PARTNERS WARRANT OR GUARANTEE THE TIMELINESS, SEQUENCE, ACCURACY, OR COMPLETENESS OF THIS INFORMATION. ADDITIONALLY, THERE ARE NO WARRANTIES AS TO THE RESULTS OBTAINED FROM THE USE OF THE INFORMATION. 

FORCE MAJEURE – NEITHER PARTY WILL BE RESPONSIBLE FOR ANY FAILURE OR DELAY IN PERFORMANCE DUE TO CIRCUMSTANCES BEYOND ITS REASONABLE CONTROL, INCLUDING, WITHOUT LIMITATION, ACTS OF GOD, WAR, RIOT, EMBARGOES, ACTS OF CIVIL OR MILITARY AUTHORITIES, FIRE, FLOODS, ACCIDENTS, SERVICE OUTAGES RESULTING FROM EQUIPMENT AND/OR SOFTWARE FAILURE AND/OR TELECOMMUNICATIONS FAILURES, POWER FAILURES, NETWORK FAILURES, FAILURES OF THIRD-PARTY SERVICE PROVIDERS (INCLUDING PROVIDERS OF INTERNET SERVICES AND TELECOMMUNICATIONS). THE PARTY AFFECTED BY ANY SUCH EVENT SHALL NOTIFY THE OTHER PARTY WITHIN A MAXIMUM OF FIFTEEN (15) DAYS FROM ITS OCCURRENCE. THE PERFORMANCE OF THIS AGREEMENT SHALL THEN BE SUSPENDED FOR AS LONG AS ANY SUCH EVENT SHALL PREVENT THE AFFECTED PARTY FROM PERFORMING ITS OBLIGATIONS UNDER THIS AGREEMENT. 

LINKS TO THIRD PARTY SITES

THE LINKS IN THIS AREA WILL LET YOU LEAVE CHARLES & ASSOC. FINANCIAL GROUP LLC. (CFG) SITE. THE LINKED SITES ARE NOT UNDER THE CONTROL OF CHARLES & ASSOC. FINANCIAL GROUP LLC. (CFG) AND CHARLES & ASSOC. FINANCIAL GROUP LLC. (CFG) IS NOT RESPONSIBLE FOR THE CONTENTS OF ANY LINKED SITE OR ANY LINK CONTAINED IN A LINKED SITE, OR ANY CHANGES OR UPDATES TO SUCH SITES. CHARLES & ASSOC. FINANCIAL GROUP LLC. (CFG) IS NOT RESPONSIBLE FOR WEBCASTING OR ANY OTHER FORM OF TRANSMISSION RECEIVED FROM ANY LINKED SITE. CHARLES & ASSOC. FINANCIAL GROUP LLC. (CFG) IS PROVIDING THESE LINKS TO YOU ONLY AS A CONVENIENCE, AND THE INCLUSION OF ANY LINK DOES NOT IMPLY ENDORSEMENT BY CHARLES & ASSOC. FINANCIAL GROUP LLC. (CFG) OF THE SITE. 

Charles & Assoc. Financial Group Llc. (CFG)  is a distributor (and not a publisher) of content supplied by third parties and Users. Accordingly, Charles & Assoc. Financial Group Llc. (CFG)  has no more editorial control over such content than does a public library, bookstore, or newsstand. Any opinions, advice, statements, services, offers, or other information or content expressed or made available by third parties, including information providers, Users, or any other user of www.charlesfinancialgroup.com, are those of the respective author(s) or distributor(s) and not of Charles & Assoc. Financial Group Llc. (CFG). Neither Charles & Assoc. Financial Group Llc. (CFG) nor any third-party provider of information guarantees the accuracy, completeness, or usefulness of any content, nor its merchantability or fitness for any particular purpose. 

In many instances, the content available through www.charlesfinancialgroup.com represents the opinions and judgments of the respective information provider, User, or other users not under contract with Charles & Assoc. Financial Group Llc. (CFG). Charles & Assoc. Financial Group Llc. (CFG) neither endorses nor is responsible for the accuracy or reliability of any opinion, advice, or statement made on www.charlesfinancialgroup.com by anyone other than authorized Charles & Assoc. Financial Group Llc. (CFG)  employee spokespersons while acting in their official capacities. Under no circumstances will [NA be liable for any loss or damage caused by a User’s reliance on information obtained through www.charlesfinancialgroup.com. It is the responsibility of the User to evaluate the accuracy, completeness, or usefulness of any information, opinion, advice, or other content available through Charles & Assoc. Financial Group Llc. (CFG). Please seek the advice of professionals, as appropriate, regarding the evaluation of any specific information, opinion, advice, or other content.

UNSOLICITED IDEA SUBMISSION POLICY

CHARLES & ASSOC. FINANCIAL GROUP LLC. (CFG) OR ANY OF ITS EMPLOYEES DO NOT ACCEPT OR CONSIDER UNSOLICITED IDEAS, INCLUDING IDEAS FOR NEW ADVERTISING CAMPAIGNS, NEW PROMOTIONS, NEW PRODUCTS OR TECHNOLOGIES, PROCESSES, MATERIALS, MARKETING PLANS OR NEW PRODUCT NAMES. PLEASE DO NOT SEND ANY ORIGINAL CREATIVE ARTWORK, SAMPLES, DEMOS, OR OTHER WORKS. THE SOLE PURPOSE OF THIS POLICY IS TO AVOID POTENTIAL MISUNDERSTANDINGS OR DISPUTES WHEN CHARLES & ASSOC. FINANCIAL GROUP LLC. (CFG) PRODUCTS OR MARKETING STRATEGIES MIGHT SEEM SIMILAR TO IDEAS SUBMITTED TO CHARLES & ASSOC. FINANCIAL GROUP LLC. (CFG). SO, PLEASE DO NOT SEND YOUR UNSOLICITED IDEAS TO CHARLES & ASSOC. FINANCIAL GROUP LLC. (CFG)OR ANYONE AT CHARLES & ASSOC. FINANCIAL GROUP LLC. (CFG). IF, DESPITE OUR REQUEST THAT YOU NOT SEND US YOUR IDEAS AND MATERIALS, YOU STILL SEND THEM, PLEASE UNDERSTAND THAT CHARLES & ASSOC. FINANCIAL GROUP LLC. (CFG) MAKES NO ASSURANCES THAT YOUR IDEAS AND MATERIALS WILL BE TREATED AS CONFIDENTIAL OR PROPRIETARY. 

Monitoring

Charles & Assoc. Financial Group Llc. (CFG) shall have the right, but not the obligation, to monitor the content of www.charlesfinancialgroup.com, including chat rooms and forums, to determine compliance with this Agreement and any operating rules established by  Charles & Assoc. Financial Group Llc. (CFG) and to satisfy any law, regulation, or authorized government request. Charles & Assoc. Financial Group Llc. (CFG) shall have the right in its sole discretion to edit, refuse to post, or remove any material submitted to or posted on www.charlesfinancialgroup.com. Without limiting the foregoing, Charles & Assoc. Financial Group Llc. (CFG) shall have the right to remove any material that Charles & Assoc. Financial Group Llc. (CFG), in its sole discretion, finds to be in violation of the provisions hereof or otherwise objectionable. 

Indemnification

User agrees to defend, indemnify and hold harmless Charles & Assoc. Financial Group Llc. (CFG), its affiliates and their respective directors, officers, employees, and agents from and against all claims and expenses, including attorneys’ fees, arising out of the use of Charles & Assoc. Financial Group Llc. (CFG) by User or User’s Account. 

Termination

Either Charles & Assoc. Financial Group Llc. (CFG) or User may terminate this Agreement at any time. Without limiting the foregoing, Charles & Assoc. Financial Group Llc. (CFG) shall have the right to immediately terminate User’s Account in the event of any conduct by User which Charles & Assoc. Financial Group Llc. (CFG), in its sole discretion, considers it to be unacceptable, or in the event of any breach by User of this Agreement. 

Miscellaneous

This Agreement and any operating rules for www.charlesfinancialgroup.com established by Charles & Assoc. Financial Group Llc. (CFG) constitute the entire agreement of the parties with respect to the subject matter hereof, and supersede all previous written or oral agreements between the parties with respect to such subject matter. This Agreement shall be construed in accordance with the laws of the 

Florida, USA, without regard to its conflict of laws rules. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. The section headings used herein are for convenience only and shall not be given any legal import. 

COPYRIGHT NOTICE 

Charles & Assoc. Financial Group Llc. (CFG)  its logos are trademarks of Charles & Assoc. Financial Group Llc. (CFG)  Ltd. All rights reserved. All other trademarks appearing on Charles & Assoc. Financial Group Llc. (CFG) are the property of their respective owners. 

TRADEMARKS

The names of actual companies and products mentioned herein may be the trademarks of their respective owners. The example companies, organizations, products, domain names, email addresses, logos, people, and events depicted herein are fictitious. No association with any real company, organization, product, domain name, e-mail address, logo, person, or event is intended or should be inferred.