TERMS AND CONDITIONS

Please read these Terms and Conditions carefully before accessing any part of the site. If you do not agree
with these Terms and Conditions, please do not access the Web site.
Intellectual Property. The information on this Web site, including without limitation all design, text, images,
white papers, press releases, and other information, is protected under United States and other copyright laws
and is owned by Malkoff Analysis, Malkoff and Associates LLC, Malkoff Photography, and Malkoff Images
(collectively “Malkoff Companies”) or used under license from the copyright owner. The information may not,
except under written license, be copied, reproduced, transmitted, displayed, performed, distributed, rented,
sublicensed, altered, stored for subsequent use or otherwise used in whole or in part in any manner without
Malkoff Companies’ prior written consent, except to the extent that such use is authorized under the United
States copyright laws. Malkoff Companies’ trademarks, logos, images, and service marks used on this site are
the property of Malkoff Companies and may not be used without permission from Malkoff Companies and then
only with proper acknowledgment.
Confidential Information. Malkoff Companies discourages you from sending or posting to the Malkoff
Companies Web site any information that you consider to be confidential or proprietary. Please note that if you
do send or post any such information or material, Malkoff Companies will assume that it is not confidential. By
sending or posting any information or material, you grant Malkoff Companies an unrestricted, irrevocable
license to use, reproduce, display, perform, modify, transmit and distribute those materials or information, and
you agree that Malkoff Companies is free to use any ideas, concepts, know-how or techniques that you send
or post for any purpose.
No Representations and Warranties. While Malkoff Companies attempts to make sure that only accurate and
up-to-date information is presented on this Web site, Malkoff Companies assumes no responsibility for, and
makes no representations with respect to, the accuracy of any information presented here. Therefore, all
materials and information are presented “AS IS,” and MALKOFF COMPANIES EXPRESSLY DISCLAIMS ANY
IMPLIED OR EXPRESS WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE,
OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY RELATING TO SUCH MATERIAL. IN NO EVENT
SHALL MALKOFF COMPANIES BE LIABLE FOR ANY DAMAGES WHATSOEVER, INCLUDING WITHOUT
LIMITATION SPECIAL, INDIRECT, CONSEQUENTIAL, OR INCIDENTAL DAMAGES, INCLUDING WITHOUT
LIMITATION, DAMAGES RESULTING FROM THE USE OF, OR RELIANCE ON, THE INFORMATION
PRESENTED, OR LOSS OF PROFITS OR REVENUES.
Forward-Looking Statements. This Web site may contain forward-looking statements. Actual results and
performance may vary.
Governing Law. Any controversy or claim arising out of or relating to the Terms of Use and any disputes
arising out of your access to and use of the Site, shall be determined by arbitration administered by the
International Centre for Dispute Resolution in accordance with its International Arbitration Rules. The number
of arbitrators shall be one and the language of the arbitration shall be English. The Terms of Use shall be
governed by and construed in accordance with the laws of the State of Texas and the place of arbitration shall
be Dallas, Texas. If the user resides in a foreign jurisdiction, the laws of England and Wales shall govern the
dispute and the place of arbitration shall be London, England. THE USER HEREBY ACKNOWLEDGES THAT
HE OR SHE IS GIVING UP THE RIGHT TO LITIGATE ALL DISPUTES IN COURT BEFORE A JUDGE OR
JURY.
Malkoff Companies may revise these Terms and Conditions at any time. Revisions will be posted on this
“Terms and Conditions” page and users are responsible for reviewing the page from time to time to ensure
compliance.