Legal Disclosures

Terms & Conditions of Use

This web site is provided by IPEX, Inc. (“IPEX”) and may be used by you for informational purposes only. By accessing, browsing, and using the site or downloading materials from the site, you agree to be bound by and abide by the terms and conditions of use.

IF YOU DO NOT AGREE TO ABIDE BY THESE TERMS AND CONDITIONS OR ANY SUBSEQUENT REVISIONS THERETO, THEN DO NOT ACCESS, BROWSE, OTHERWISE USE, OR DOWNLOAD MATERIALS FROM THIS SITE

Scope of Communications

IPEX is a registered federal and state investment advisor. IPEX may only transact business or render personalized investment advice in those states where it is registered, has filed notice and/or is otherwise exempt from registration requirements. The purpose of this web site is to distribute information on products and services. Any communications with prospective clients residing in states where IPEX is not registered or exempt shall be limited so as not to trigger registration or licensing requirements.

Acceptable Use

IPEX maintains this web site to provide visitors with information, education and communication. Please feel free to browse the site. IPEX grants permission to freely copy and distribute material for education, research and the promotion of IPEX and its personnel, provided that no changes or alterations are made, and that this copyright notice is not removed. You may not, however, distribute, modify, transmit, reuse, repost, or otherwise use the contents of this web site for public or commercial purposes, without the expressed written permission of IPEX.

Informational Purposes Only

The information provided on this web site is for informational purposes only. The material contained herein is not offered as advice on any particular matter. Although this web site may provide information relating to investment consulting services and related activities, no information provided on this web site is intended or should be construed as investment advice, or as an endorsement of any investment vehicle or investment strategy. Transmission of this information is not intended to create and receipt does not constitute a consultant-client relationship between IPEX and the user or browser. No client or other reader should act or refrain from acting on the basis of any matter addressed in this web site without seeking the appropriate professional advice on the particular facts and circumstances at issue.

Information Collected

You can visit the IPEX web site to learn more about our firm or services without telling us who you are and without revealing any personal information. The information we collect and store during normal web site use may include the name of your internet service provider, the name and version of your internet browser, the web site that referred you to us, the pages you request, and the date and time of those requests. This information is used to generate statistics and measure site activity and to improve the usefulness of this web site. During normal web site usage, we do not collect or store personally identifiable information.

Information Provided

IPEX does not want you to, and you should not, send any confidential or proprietary information to IPEX via this web site. You agree that any information or materials that you or individuals acting on your behalf provide to IPEX will not be considered confidential or proprietary and may be used or distributed by IPEX for any purpose whatsoever, including, but not limited to, marketing IPEX services. Notwithstanding the foregoing, all personal data provided to IPEX will be handled in accordance with the IPEX Privacy Policy. By using this web site, you are agreeing to the terms of our Privacy Policy.

Non IPEX Web Sites

If you choose to link to a web site not controlled by IPEX, IPEX makes no warranties, either express or implied, concerning the content of such web site, including the accuracy, completeness, reliability, or suitability thereof for any particular purpose. Links to non-IPEX web sites do not imply any endorsement of, or responsibility for, the opinions, ideas, products, information, or services offered at such web sites, or any representation regarding the content of such web sites.

Disclaimer of Warranties

While IPEX uses reasonable efforts to include accurate and up to date information on this web site, it makes no warranties or representations as to its accuracy. This web site (including all information and materials contained on this web site) is provided “as is” and “as available.” IPEX makes no warranty of any kind – whether express, implied or statutory – with respect to this web site, including any implied warranties of merchantability, infringement of third-party rights, freedom from viruses or other harmful code, or fitness for a particular purpose. IPEX does not warrant the accuracy, adequacy or completeness of the information and materials contained in this web site, and expressly disclaims liability for errors or omissions in the materials and information provided. IPEX expressly disclaims all liability to any person with respect to any consequences of anything done or omitted to be done wholly or partly in reliance upon the contents of this web site.

Changes

IPEX may terminate, change, suspend or discontinue any aspect of this web site, including the availability of any features of this web site, at any time. IPEX may also impose limits on certain features and services or restrict your access to parts or all of this web site without notice or liability.