USERS OF THE FSO PORTAL GATEWAY TO THE INTERNET AND SUBSCRIBERS TO THE FINANCIAL PUBLICATIONS FINANCIAL E-NEWS, FINANCIAL E-NEWS DAILY, FINANCIAL SERVICES JOURNAL ONLINE AND MESSAGES FROM THE FINANCIAL MASTERS SHOULD READ CAREFULLY:  

USERS OF THE GATEWAY TO THE INTERNET PORTAL:

The FSO portal, Gateway to the Internet, contains links to other Internet sites. FSO has no control over, is not responsible for and does not endorse or recommend such other sites, or the information, products, materials or services available at such other sites, unless such endorsement or recommendation is explicitly stated on the Gateway to the Internet web site. In such cases, the endorsement or recommendation is strictly limited to the specific information, products, materials or services referred to and none other. FSO may allow third parties to advertise on the Gateway to the Internet web site and to provide a link from the Gateway to the Internet web site to the third party's web site, whereby visitors to the Gateway to the Internet web site may be transferred to the third party's web site. As stated above, FSO does not endorse or recommend any such third party or its products or services unless such endorsement or recommendation is explicitly stated on the Gateway to the Internet web site. FSO disclaims all liability for any claims or damages that may result from the use of external web sites linked to this site. 

The Gateway to the Internet web site may contain inaccuracies or typographical errors. FSO does not guarantee the accuracy, completeness or timeliness of this web site. Changes are periodically made to this web site and may be made at any time. 

SUBSCRIBERS TO FINANCIAL PUBLICATIONS:

Financial E-News, Financial E-News Daily, Financial Services Journal Online and Messages from the Financial Masters are e-mail publications provided by Financial Services Online, Inc. ("FSO") for informational purposes only. By subscribing to these publications, you agree to the following terms. If you do not accept these terms, you should use the 'Unsubscribe' function on the publication to remove your e-mail address from the distribution database. 

OWNERSHIP OF PUBLICATION MATERIALS 

Unless otherwise noted, all publications are subject to the copyrights and other intellectual property rights of FSO. You may forward via e-mail the complete publication to other interested parties. You may not otherwise utilize these publications and under no circumstances may you copy, print, reproduce, display, modify, publish, post, transmit or otherwise distribute these publications or any part of these publications without the express written consent of FSO. Any unauthorized use of these publications may violate copyright, trademark and other laws. 

DISCLAIMERS 

The articles and materials appearing in the publications do not constitute insurance, financial, investment, tax, legal, accounting or other professional services by FSO or the articles' authors. The facts and opinions in the publications' articles represent their authors' views and are not necessarily endorsed by FSO, unless clearly indicated. The accuracy of the information in the publications is not guaranteed, and FSO disclaims all liability for claims or damages that may result from errors in the publications. 

FSO does not endorse the advertisers in the publications or the advertised products and services, unless clearly indicated. Furthermore, FSO has not assessed the accuracy of any advertisement or the quality of any advertised product or service. FSO disclaims all liability for claims or damages that may result from transactions with the publications' advertisers or from the purchase or use of advertised products or services. 

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LINKS TO THIRD PARTY SITES/ADVERTISEMENTS 

The publications may contain links to third-party sites. Links also may be included in third-party advertisements on the publications. These third-party sites are not under the control of FSO and FSO is not responsible for the content or accuracy of those sites. The user assumes all risk of accessing third party sites, including responsibility for reviewing the terms of usage and privacy policies of those sites. 

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