Terms of Use and Privacy Policy - Financial Plan Advantage Ltd. ACCEPTANCE OF TERMS OF USE Financial Plan Advantage Ltd. provides advisors with access to a variety of resources available on www.fpadvantage.com, including documents, videos and software. The Content, Software, Services and all other aspects of this web site are subject to these Terms of Use. Financial Plan Advantage Ltd. reserves the right to update these Terms of Use at any time without notice to you. By accessing or using this web site or software provided by Financial Plan Advantage Ltd. in any way, you agree to and are bound by the terms of this Terms of Use. If you do not agree to all of the terms and conditions contained in the Terms of Use, do not access or use this web site or software. LIMITATIONS AND GUARANTEES This Web site provides No Advice and accepts No Liability. All information and resources offered on this Web site, including but not limited to financial planning software, tools, concepts and strategies, are not intended to provide consulting, tax, investment, financial, accounting, legal or any other type of advice to you or your clients. Furthermore, should you choose to provide any advice in conjunction with the use of any information or resources offered on this Web site, you agree to accept full responsibility for the accuracy and completeness of the advice provided. Although we have made every effort to ensure the accuracy of the content provided on this Web site at the time of posting, we offer no warranty, express or implied, as to the accuracy or completeness of any information or resources offered on this Web site. Neither Financial Plan Advantage Ltd., its subsidiaries, nor its affiliates shall be liable in any manner or to any extent for any direct, indirect, special, incidental or consequential damages, losses or expenses arising out of the use of this Web site or the resources and software offered on this Web site. PRIVACY AND PROTECTION OF PERSONAL INFORMATION Financial Plan Advantage Ltd. is committed to protecting your privacy. This privacy statement explains data collection and use practices of the Financial Plan Advantage Ltd. Web site. By accessing the site, you are consenting to the information collection and use practices described in this privacy statement. Collecting Your Personal Information - We will ask you when we need information that personally identifies you or allows us to contact you. The personal information we collect may include your name, title, email address, company name, phone number, and region. The site may collect certain information about your visit, such as the name of the internet service provider and the internet protocol (IP) address through which you access the internet; the date and time you access the site; the pages that you access while at the site and the internet address of the web site from which you linked directly to our site. In addition to the above, this site collects information relating to your usage of various software tools such as software and licenses downloaded. This information is used for the operation and improvement of the site. Use of Your Personal Information - The personal information collected on this site will be used to operate the site and to provide the service(s) or carry out the transaction(s) you have requested or authorized. In support of these uses, Financial Plan Advantage Ltd. may use personal information to provide you with more effective customer service, to improve the site and any related products or services, and to make the site easier to use by eliminating the need for you to repeatedly enter the same information. We may use your personal information to provide you with important information about the products or services that you use or request information on, including update notifications. Financial Plan Advantage Ltd. occasionally hires other companies to provide limited services on our behalf, such as web site hosting, packaging and mailing. We will only provide those companies the personal information they need to deliver the service. They are required to maintain the confidentiality of the information and are prohibited from using that information for any other purpose. Access to Your Personal Information - Customer information collected by Financial Plan Advantage Ltd. is stored at hostdepartment.com, and in databases stored on computers at the company’s address. You can review and edit the personal information you provided at this site by sending an e-mail to support@fpadvantage.com. Security of Your Personal Information - Financial Plan Advantage Ltd. is committed to protecting the security of your personal information. We use a variety of security technologies and procedures to help protect your personal information from unauthorized access, use, or disclosure. Cookies - A cookie is a small text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you. You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of this or other web sites you visit. SOFTWARE All Software that is made available for download from the web site is the copyrighted work of Financial Plan Advantage Ltd. Your use of Software is governed by the terms of this Terms of Use. Any attempt to decompile or alter the software in any way is strictly prohibited. CONTENT All Content included on this web site and software provided by Financial Plan Advantage Ltd. is the copyrighted work of Financial Plan Advantage Ltd.  If any Content is made available to you on this web site without a license agreement, then you may make a reasonable number of copies for personal use or use with your clients. Except as provided above in this section, no portion of the web site or software provided by Financial Plan Advantage Ltd. may be copied, imitated, published, transmitted, broadcast or distributed, in whole or in part.  In no event shall Financial Plan Advantage or its suppliers be liable for any special, indirect or consequential damages or any damages whatsoever resulting from loss of use, data or profits, whether in an action of contract, negligence or other tortuous action, arising out of or in connection with the use or performance of software or this web site. RESERVATION OF RIGHTS Financial Plan Advantage Ltd. reserves the right at all times to disclose any information as Financial Plan Advantage Ltd. deems necessary to satisfy any applicable law, regulation, legal process or governmental request.  Financial Plan Advantage Ltd. also reserves the right to terminate your access to any or all of the Services at any time, without notice, for any reason whatsoever. LINKS TO THIRD PARTY SITES Some links on this site will let you leave the Financial Plan Advantage Ltd. web site. Financial Plan Advantage Ltd. is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by Financial Plan Advantage Ltd. of this site. You acknowledge and agree that Financial Plan Advantage Ltd. does not control, review, revise, endorse, or accept responsibility for any materials, projects or services offered by third parties, including third-party vendors and third parties accessible through linked sites. You acknowledge and agree that Financial Plan Advantage Ltd. makes no representations or warranties whatsoever about any such third parties, their materials or services. You acknowledge and agree that any dealings you may have with such third parties are at your own risk and Financial Plan Advantage Ltd. shall not be liable or responsible for any materials or services offered by third parties. COPYRIGHT NOTICE© 2011 Financial Plan Advantage Ltd. All rights reserved.