The content, information, graphics, design, compilation, products, software, services and all other matters related to this web site ("Materials") are protected by law, including, but not limited to, U.S. Copyright law and international treaties. Access to the Materials from any territory where their contents are illegal is prohibited.

Those who choose to access this web site from other locations do so on their own initiative and are responsible for compliance with applicable local laws. These terms of use shall be treated as though they were performed in Virginia. Any claim relating to, and the use of, this web site and the Materials contained herein, are governed by the laws of the state of Virginia, without regard to conflict of law principles and by accessing the Materials you submit to the personal jurisdiction of the State and Federal Courts located in Fairfax County, Virginia, USA.

The invalidity or unenforceability of any provision of these terms of use will not affect the validity or enforceability of any other provision of these terms of use.  SpectraRep reserves the right to modify or to terminate your use of our site without notice if you fail to comply with any term of these terms of use as we may determine in our sole discretion. Upon termination, you must destroy all Materials and any copies obtained from this web site. Your right to use the web site is not transferable. Any password or right given to you to obtain Materials is not transferable. Except as set forth the "Use of Software and Data" Section below, these terms of use contain our entire understanding relating to the use of this web site and supersede any prior written or oral agreement or understandings between us with respect to this web site, and cannot be changed or terminated except in writing by an authorized representative of SpectraRep.

Modification
SpectraRep reserves the right in its sole discretion to modify or delete any Material appearing on the web site or to terminate this web site without notice. SpectraRep may in the future alter or add to these Terms of Use, but cannot guarantee that you will receive notice. Accordingly, you agree to check this part of our site from time to time to see if there has been a change.

Copy and Use Restrictions
This web site is owned and operated by SpectraRep, which owns or licenses, or has the right to display, all the Material provided on this web site. Except as stated herein, none of the Material may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means, including, but not limited to, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of SpectraRep or the copyright, trademark and/or servicemark owner.

Permission is granted to display, copy, distribute and download the Materials for personal, non-commercial use only, provided you do not modify the Materials and that you retain all copyright and other proprietary notices contained in the Materials. This permission terminates automatically if you breach any of these terms or conditions. Upon termination, you will immediately destroy any downloaded and printed Materials. Any unauthorized use of any Material contained on this web site may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes. You may not use the Materials for conducting unwanted solicitations or communications via email, electronic link, or otherwise, or for disseminating any information that is unlawful, pornographic, and/or libelous.

Use of Software and Data
Any software or code downloaded by you from this web site, including, without limitation, any files, images incorporated in or generated by the software, code and data accompanying the software (collectively, the "Software") is licensed to you under terms of SpectraRep's standard license agreement or the specific Terms of Use (whether supplied by SpectraRep or a third party) applicable to any of the Materials (the "License Agreement"). Your rights to use the Software are expressly limited to the terms set forth in the License Agreement or Terms of Use. Access to or downloading of the Software does not in any way transfer title to the Software, or any intellectual property rights contained therein, to you.

Trademarks

SpectraRep, BIA Financial Network, BIAfn, the SpectraRep logo and the BIAfn logo are trademarks or registered trademarks of the BIA Financial Network.

All other trademarks or registered trademarks mentioned herein belong to their respective owners.

Other

THESE MATERIALS ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

These materials may include technical inaccuracies or typographical errors. Changes may be periodically incorporated in new editions of these materials.  SpectraRep may make changes in the products(s), program(s) and/or the services(s) described in these materials at any time.

Please contact us for more information.

SpectraRep - a member of the BIA Financial Network

15120 Enterprise Court

Chantilly, Virginia 20151

USA

Tel (703) 227-9690

Fax (703) 803-3299