TERMS OF USE

Welcome to Townsend and Associates, Inc.Web Site ('Site'). Please review the following basic terms that govern your use of our Site. Please note that your use of our Site constitutes your agreement to follow and be bound by those terms (the 'Agreement').

We may at any time change the terms that govern your use of our Site. Your use of our Site following any such change constitutes your agreement to follow and be bound by the terms as changed. We may change, move or delete portions of, or may add to, our Site from time to time.

USE RESTRICTIONS

You understand and accept that all information, data, text, software, music, sound, photographs, graphics, audio, video, message or other material appearing on this Site (collectively, 'Content') are owned by Townsend & Associates or its clients/partners. You are expressly prohibited from using any Content without the express written consent of Townsend & Associates or its clients/partners. Except as otherwise stated herein, none of the material may be reproduced, distributed, republished, downloaded, displayed, posted, transmitted, or copied in any form or by any means, without the prior written permission of Townsend & Associates or its clients/partners. Permission is hereby granted to display, copy, distribute, and download the materials on this Site solely for personal, non-commercial use provided that you make no modifications to the materials and that all copyright and other proprietary notices contained in the materials are retained. You may not, 'mirror' any material contained on this Site or any other server. Any permission granted herein terminates automatically without further notice if you breach any of the above terms. Upon such termination, you agree to immediately destroy any downloaded and/or printed materials. Any unauthorized use of any material contained on this Site may violate domestic and/or international copyright laws, the laws of privacy and publicity, and communications regulations and statutes.

TRADEMARKS

'Townsend & Associates' is a registered trade name. All other trademarks, service marks, and trade names contained in the Site are the properties of the respective owners. Townsend & Associates disclaims any proprietary interest in trademarks, service marks and trade names other than its own. No use of these marks may be made without the prior written authorization of Townsend & Associates, except as necessary to accurately identify the clients and services of Townsend & Associates.

LINKS TO OTHER WEB SITES AND SERVICES

To the extent that this Site contains links to outside services and resources, the availability and content of which Townsend & Associates does not control, any concerns regarding any such service or resource, or any link thereto, should be directed to the particular outside service or resource.

DISCLAIMER

THIS SITE AND ALL CONTENTS OF THE SITE ARE PROVIDED ON AN 'AS IS' BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF TITLE OR IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. YOU ACKNOWLEDGE, BY YOUR USE OF THE SITE, THAT YOUR USE OF THE SITE IS AT YOUR SOLE RISK, THAT YOU ASSUME FULL RESPONSIBILITY FOR ALL COSTS ASSOCIATED WITH ALL NECESSARY SERVICING OR REPAIRS OF ANY EQUIPMENT YOU USE IN CONNECTION WITH YOUR USE OF OUR SITE, AND THAT TOWNSEND AND ASSOCIATES SHALL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND RELATED TO YOUR USE OF THIS SITE.

INACCURACY DISCLAIMER

From time to time there may be information on townsendassociates.com that contains typographical errors, inaccuracies, or omissions that may relate to clients, transactions, developments, and product descriptions. We reserve the right to correct any errors, inaccuracies or omissions and to change or update information at any time without prior notice.

INDEMNIFICATION

You agree to defend, indemnify and hold Townsend & Associates harmless from and against any and all claims, damages, costs and expenses, including attorneys' fees, arising from or related to your use of the Site.

TERMINATION

This Agreement is effective unless and until terminated by either you or Townsend & Associates. You may terminate this Agreement at any time. Townsend & Associates also may terminate this Agreement at any time and may do so immediately without notice, and accordingly, deny you access to the Site, if in Townsend & Associates sole discretion you fail to comply with any term or provision of this Agreement. Upon any termination of this Agreement by either you or Townsend & Associates, you must promptly destroy all materials, downloaded or otherwise, obtained from this Site, as well as all copies of such materials, whether made under the terms of this Agreement or otherwise.