IPO Financial Network and IPOfn Online Terms and Conditions

Intellectual Property Rights:
This site contains copyrighted material of IPO Financial Network. The marks IPOfn, IPOfn online, and IPO Financial Network are trademarks and service marks owned by IPO Financial Network. Other trademarks and copyrights are the property of their respective owners. Framing, caching, or linkage to this site is prohibited without the prior written permission of IPO Financial Network.

Access to the IPO Financial Network Site:
This material is intended solely for the private use of IPO Financial Network's clients. The information and materials from this site may be accessed only by IPO Financial Network's clients for their personal, non-commercial use in the context of reviewing the information on this site, provided that such use does not modify or alter the materials in any way, nor delete or change the IPO Financial Network copyright or trademark notices as they appear within the site. The information and materials may not otherwise be copied, distributed, downloaded, modified, deposited, reproduced, or otherwise used, except as provided herein, without IPO Financial Network's prior written consent. IPO Financial Network reserves all title and intellectual property rights in and to any information and materials downloaded from this site.

Limitations:
IPO Financial Network is not responsible for technical, hardware or software failures of any kind, lost or unavailable network connections, or incomplete, garbled or delayed computer transmissions. IPO Financial Network makes no warranty or guaranty that the contents of IPOfinancial.com are error-free. It is up to you to take any and all precautions to ensure that the information you access and use from this site or any hyperlinked site is free of such items as viruses and other items of a damaging nature to computer hardware or software systems. To the extent links are provided from this site to other sites, IPO Financial Network does not endorse those sites.

Changes may be made to the content and software at IPOfinancial.com, and the products and services described within IPOfinancial.com, at any time without notice. By accessing this site, all users agree that this site, any other site accessed through this site, and the entire contents and software of this site and such other site(s), are provided "AS IS," WITHOUT WARRANTY OF ANY KIND WHATSOEVER, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR OF NON-INFRINGEMENT.

By using IPOfinancial.com, you agree that IPO Financial Network and its affiliates will not for any reason be liable for direct, indirect, incidental, consequential, or punitive damages, including without limitation lost profits, lost savings, or loss of programs or other data on your information or computer system or otherwise, even if IPO Financial Network has been advised of the possibility of any such damages, arising out of or in connection with (i) your access to, use of, or inability to use, IPOfinancial.com or any hyperlinked site, or (ii) any errors or omissions in the content of, or performance of the software on IPOfinancial.com or any hyperlinked site. Some jurisdictions do not allow the exclusion of implied warranties or of consequential or incidental damages, so some or all of the above exclusions may not apply to you.

Recommendations About Investments:
The information and analysis contained herein is derived from sources believed to be reliable and accurate. However, the information cannot be guaranteed as to completeness, accuracy, form and/or content. IPO Financial Network provides this content for informational purposes only. Any data contained in the site is not to be considered as a recommendation for any issue. The information is to be used only as a guide. Stock positions taken may be for clients and could also be either long or short in opposition of indications from any reports generated by IPO Financial Network. Determination of trading risks can only be made by seeking the counsel of investment professionals, including but not limited to investment advisors, brokers and accountants. Tax implications have not and will not be discussed or considered in providing the information in the site. Any statement of returns have not factored in fees, commissions, taxes or any other considerations. This site is operated in the State of New Jersey and the United States of America and IPO Financial Network makes no representation that content provided in this site is applicable or appropriate for use in other locations.

Security:
Any information or communication, including but not limited to remarks, suggestions, ideas, questions, or comments, transmitted to IPO Financial Network via IPOfinancial.com, CustomActionTrack.com or Internet electronic mail is the exclusive property of IPO Financial Network and will not be treated as confidential. Users should be aware that information sent by E-mail may not be secure and may be intercepted by third parties. Please do not use E-mail to send us any confidential information or information that will need immediate attention. IPO Financial Network is entitled to use any information or communication submitted for any purpose without restriction (including but not limited to the reproduction, publication, disclosure, broadcast, posting and compilation of such information or communication or developing products and services incorporating the same) or compensation to the person sending the submission. The person sending such submission acknowledges the originality of any submission communicated to IPO Financial Network and accepts entire responsibility for its accuracy, appropriateness and legality (including without limitation compliance with any federal or state intellectual property statutes, regulations and common law rules).

IPO Financial Network Employees:
IPO Financial Network and its employees are not allowed to indicate for IPOs before they are priced. However, IPO Financial Network and its employees are unrestricted from conducting trades once these issues are priced, including stocks from the IPO Financial Network IPO Action Track, the IPO Financial Network Secondary Action Track and the CustomActionTrack.com.

Jurisdiction:
These terms and conditions are governed by and interpreted pursuant to the laws of the State of New Jersey and the United States of America, notwithstanding any conflicts of laws, and venue shall rest exclusively in the courts of the State of New Jersey. If any part of these terms and conditions is unlawful, void or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of the remaining terms and conditions. If you do not agree with these terms and conditions, please contact IPO Financial Network for more information prior to accessing further information on this site.

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10 East Willow Street, Millburn, NJ 07041
(973) 379-5100  Fax:(973) 379-7239
General email: info@ipofinancial.com
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Copyright, IPO Financial Network, 1999-2002. IPO Financial Network, IPOfn, IPOfn online, IPO Frontline and the IPO Financial Network logo are trademarks and services marks owned by IPO Financial Network. All rights reserved. Terms and conditions are shown above.