TERMS OF USE AGREEMENT

These Terms of Use were last updated on October 16, 2017.

By accessing this web site (the “Site”), you accept in their entirety the following Terms of Use Agreement (the “Agreement”) pertaining to the use of the Site. Please read this Agreement carefully. By accessing, browsing or otherwise using the Site, you acknowledge that you have read, understood and agree to be bound by this Agreement. If you do not accept the terms and conditions of this Agreement, you may not access, browse or use the Site.

Richmond Global and its affiliates (collectively “Richmond Global”) reserves the right to change this Agreement without notice at any time. If we do this, we will post the changes on this page and will indicate at the top of this page the date this Agreement was last revised. You may read a current, effective copy of this Agreement at any time by selecting the “Terms of Use” link on the Site. Please read these Terms of Use periodically. Each use of the Site constitutes your agreement to be bound by the then-current terms and conditions set forth in the Agreement. If any change to this Agreement is not acceptable to you, your sole remedy is to cease accessing, browsing, and otherwise using the Site.

You agree not to: (a) take any action that imposes an unreasonable load on the Site’s infrastructure, (b) use any device, software or routine to interfere or attempt to interfere with the proper working of the Site or any activity being conducted on the Site, (c) attempt to decipher, decompile, disassemble or reverse engineer any of the software comprising or making up the Site, (4) delete or alter any material posted on the Site by Richmond Global or any other person or entity, or (5) frame or link to any of the materials or information available on the Site.

TRADEMARKS

The trademarks, service marks, and logos of Richmond Global (the “Richmond Trademarks”) used and displayed on this Site are registered and unregistered trademarks or service marks of Richmond Global. Other product and service names located on the Site may be trademarks or service marks owned by third-parties (the “Third-Party Trademarks”, and, collectively with the Richmond Trademarks, the “Trademarks”). Nothing on this Site or in this Agreement should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on this Site without the prior written consent of Richmond Global specific for each such use. The Trademarks may not be used to disparage Richmond Global or the applicable third-party, Richmond Global’s or third-party’s products or services, or in any manner (using commercially reasonable judgment) that may damage any goodwill in the Trademarks. Use of any Trademarks as part of a link to or from any web site is prohibited without Richmond Global’s prior written consent. All goodwill generated from the use of any Richmond Trademark will inure to Richmond Global’s benefit.

NO OFFER OF SECURITIES OR INVESTMENT ADVICE

The purpose of this Site is limited to providing you with general information about Richmond Global. Nothing on this Site is intended to constitute or forms a part of (a) an offer, or solicitation of an offer, to purchase or sell any security, other asset or service, (b) investment advice or an offer to provide such advice, or (c) a basis for making any investment decision. Except as expressly stated by a Richmond Global entity in writing, this Site does not make any effort to present a comprehensive or balanced description of Richmond Global or its activities.

CONTENT AND LINKS TO THIRD PARTY WEBSITES

This Site may contain material, including but not limited to text, graphics, video, audiovisual works, logos, photographs, icons, images, audio clips, and software (collectively referred to as the “Content”). We may own the Content or portions of the Content may be made available to us through arrangements that we have with third-parties. The Content is protected by United States and foreign intellectual property laws. Unauthorized use of the Content may result in violation of copyright, trademark, and other laws. You have no rights in or to the Content, and you will not use, copy or display the Content except as permitted under this Agreement. You may use Content from the Site solely for your personal use. No other use is permitted without our prior written consent. For example, the Content and Site may not be distributed, republished, uploaded, posted, or transmitted in any way, without the prior written consent of Richmond Global. You must retain all copyright and other proprietary notices contained in the original Content on any copy you make of the Content. You may not sell, transfer, assign, license, sublicense, or modify the Content or reproduce, display, publicly perform, make a derivative version of, distribute, or otherwise use the Content in any way for any public or commercial purpose. The use or posting of any of the Content on any other web site or in a networked computer environment for any purpose is expressly prohibited. If you violate any part of this Agreement, your right to access and/or use the Content and Site will automatically terminate and you will immediately destroy any copies you have made of the Content.

The Site may contain links to third-party web sites. When you select certain hyperlinks, you will be leaving the Site. Richmond Global has not reviewed any of the web sites that may be linked to the Site and is not responsible for their content, availability, advertising, products, information, materials or use of your information. Richmond Global does not make any representations regarding the content or accuracy of any third-party materials on, or imported from any third-party web sites which may be linked to the Site. You should take precautions when downloading files from all web sites to protect your computer from viruses and other destructive programs. Richmond Global is not responsible for the privacy practices of such other web sites. The links to other web sites are provided solely as a convenience to you and not as an endorsement by Richmond Global of the content on web site. Your linking to or use of any off-site pages or other web sites is at your own risk.

NO WARRANTY

RICHMOND GLOBAL, ITS AFFILIATES AND THEIR RESPECTIVE OFFICERS, DIRECTORS, PRINCIPALS, SUPPLIERS, LICENSORS, AGENTS AND EMPLOYEES (COLLECTIVELY, THE “RICHMOND PARTIES”) MAKE NO REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY, COMPLETENESS, SUITABILITY OR OTHER CHARACTERISTICS OF THE INFORMATION AND MATERIALS CONTAINED ON OR PRESENTED THROUGH THE SITE. THE RICHMOND PARTIES WILL NOT BE SUBJECT TO LIABILITY FOR THE TRUTH, ACCURACY OR COMPLETENESS OF THE CONTENT OR ANY OTHER INFORMATION CONVEYED TO THE USER OR FOR ERRORS, MISTAKES OR OMISSIONS THEREIN OR FOR ANY DELAYS OR INTERRUPTIONS OF THE DATA OR INFORMATION STREAM FROM WHATEVER CAUSE. YOU AGREE THAT YOUR USE OF THE SITE AND THE CONTENT IS AT YOUR OWN RISK.

THE RICHMOND PARTIES DO NOT WARRANT THAT THE SITE WILL OPERATE ERROR-FREE OR THAT THE SITE, ITS SERVER, OR THE CONTENT ARE FREE OF COMPUTER VIRUSES OR SIMILAR CONTAMINATION OR DESTRUCTIVE FEATURES. IF YOUR USE OF THE SITE OR THE CONTENT RESULTS IN THE NEED FOR SERVICING OR REPLACING EQUIPMENT OR DATA, NO RICHMOND PARTY WILL BE RESPONSIBLE FOR THOSE COSTS.

ANY CONTENT OF THE SITE IS SUBJECT TO CHANGE WITHOUT NOTICE. ALL SUCH INFORMATION AND MATERIALS ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT ANY WARRANTIES OF ANY KIND. THE RICHMOND PARTIES HEREBY DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO, THE WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT OF THIRD PARTY RIGHTS.

LIMITATION OF LIABILITY

IN NO EVENT SHALL ANY RICHMOND PARTY BE LIABLE FOR ANY CLAIMS, LIABILITIES, LOSSES, COSTS OR DAMAGES, INCLUDING DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES, ARISING OUT OF OR IN ANY WAY CONNECTED WITH (I) THE USE OF OR INABILITY TO USE THE SITE OR WITH ANY DELAY IN USING THE SITE, OR (II) ANY INFORMATION AND MATERIALS OBTAINED THROUGH THE SITE, OR (III) OTHERWISE ARISING OUT OF THE USE OF THE SITE, WHETHER BASED ON THEORIES ARISING IN CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE. SUCH LIMITATIONS APPLY EVEN IF THE RICHMOND PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.

Some states do not allow exclusion of implied warranties or limitation of liability for incidental or consequential damages, so the above limitations or exclusions may not apply to you. IN SUCH STATES, THE LIABILITY OF THE RICHMOND PARTIES WILL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW.

INDEMNIFICATION

You agree to defend, indemnify, and hold harmless the Richmond Parties from and against any claims, actions or demands, including, without limitation, reasonable legal and accounting fees, arising or resulting from your breach of this Agreement or your access to, use, or misuse of the Content or the Site. Richmond Global will provide notice to you of any such claim, suit, or proceeding. Richmond Global reserves the right to assume the exclusive defense and control of any matter which is subject to indemnification under this section. In such case, you agree to cooperate with any reasonable requests assisting Richmond Global’s defense of such matter.

OTHER INFORMATION

This Site is based in the United States. Richmond Global make no claims concerning whether the content may be downloaded, viewed, or be appropriate for use outside of the United States. If you access the Site from outside of the United States, you do so at your own risk. Whether inside or outside of the United States, you are solely responsible for ensuring compliance with the laws of your specific jurisdiction.

The United States controls the export of products and information. You expressly agree to comply with such restrictions and not to export or re-export any of the Content to countries or persons prohibited under the export control laws. By downloading the Content, you are expressly agreeing that you are not in a country where such export is prohibited or are a person or entity for which such export is prohibited. You are solely responsible for compliance with the laws of your specific jurisdiction regarding the import, export, or re-export of the Content.

The Content is provided with "RESTRICTED RIGHTS." Use, duplication, or disclosure by the Government is subject to the restrictions contained in 48 CFR 52.227-19 and 48 CFR 252.227-7013 et seq. or its successor. Use of the Site or Content by the Government constitutes acknowledgement of our proprietary rights in the Site and Content.

GENERAL

This Agreement is governed by the internal laws of the State of New York, without reference to tits conflict of laws provisions. You consent to the exclusive personal jurisdiction of any federal or state court located in New York County, New York U.S.A., as the exclusive jurisdiction and venue for the adjudication of all disputes arising out of or relating to the use of the Site.

If any provision of this Agreement is found to be invalid by any court having competent jurisdiction, the invalidity of such provision will not affect the validity of the remaining provisions of this Agreement, which will remain in full force and effect. Failure of Richmond Gobal to act on or enforce any provision of the Agreement will not be construed as a waiver of that provision or any other provision in this Agreement. No waiver will be effective against Richmond Global unless made in writing, and no such waiver will be construed as a waiver in any other or subsequent instance. Except as expressly agreed by Richmond Global and you, this Agreement constitutes the entire Agreement between you and Richmond global with respect to the subject matter, and supersedes all previous or contemporaneous agreements, whether written or oral, between the parties with respect to the subject matter. The section headings are provided merely for convenience and will not be given any legal import. This Agreement will inure to the benefit of our successors, assigns, licensees, and sublicensees. All Richmond Parties are intended third-party beneficiaries of this Agreement. Any information submitted or provided by you to the Site might be publicly accessible. Important and private information should be protected by you. Richmond Global is not liable for protection of privacy of electronic mail or other information transferred through the Internet or any other network that you may use.