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Your Acceptance of this Legally Binding Agreement

IMPORTANT: BY USING OR ACCESSING THE JRBERNSTEIN.COM WEB SITE AND THE INFORMATION, MATERIAL, PRODUCTS OR SERVICES PROVIDED THEREIN BY J R BERNSTEIN MEDIA INC., YOU AGREE TO BE LEGALLY BOUND BY THE TERMS AND CONDITIONS OF THIS AGREEMENT.

If you do not agree with the terms and conditions of this Agreement, do not use or access the JRBERNSTEIN.COM web site or information, material, products or services provided therein. This Agreement is between you and J R BERNSTEIN MEDIA INC. and is effective at the date of your first use or access of the JRBERNSTEIN.COM web site.

You further agree that J R BERNSTEIN MEDIA INC. may change, alter, amend or replace all or any part of this Agreement at any time, that such changes, alterations, amendments or replacements shall be effective as of the time of posting. J R BERNSTEIN MEDIA INC. will provide notice on the JRBERNSTEIN.COM web site of any material changes made to this Agreement and your continued use of the web site after the time of posting of such notice will constitute evidence of your acceptance of the changed, altered, amended or replaced Agreement. You further agree to regularly review this Agreement for such changes, alterations, amendments or replacements. If you do not agree with the changed, altered, amended or replaced Agreement, do not use or access the JRBERNSTEIN.COM web site or information, material, products or services provided therein. J R BERNSTEIN MEDIA INC. may contact you from time to time to notify you of any material changes, alterations, amendments or replacements to all or any part of this Agreement provided that you have given J R BERNSTEIN MEDIA INC. your e-mail address and agreed that J R BERNSTEIN MEDIA INC. may contact you using that e-mail address. We refer you to our privacy policy for further details as to J R BERNSTEIN MEDIA INC.’s collection, use and disclosure of personal information.

Ownership of Content and Intellectual Property Protection

You acknowledge and agree that any and all information, material, products and services, including photography, data, databases, graphics, text, images, files, software, interfaces, web pages, product names, company names, trademarks, logos and trade names contained on the JRBERNSTEIN.COM website (collectively the “Content”), including the manner in which the Content is presented or appears and all information relating thereto, are the property of J R BERNSTEIN MEDIA INC., its licensors or third parties, as indicated.

Content found on the JRBERNSTEIN.COM web site is protected under patent, copyright, trademark, proprietary or other intellectual property laws of Canada, The United States of America, and other applicable jurisdictions, and any unauthorized use of such Content may violate such laws or this Agreement. Except as expressly provided herein, no license under any patents, copyright, trademark, proprietary or other intellectual property right is granted or implied by granting access to the Content.

Content may be provided by a third party. J R BERNSTEIN MEDIA INC. offers no guarantees and assumes no responsibility or liability of any type with respect to Third Party Content, including any liability resulting from incompatibility between Third Party Content and Content provided by J R BERNSTEIN MEDIA INC. You agree that you will not hold J R BERNSTEIN MEDIA INC. responsible or liable with respect to Third Party Content or seek to do so.

Disclaimer of Warranties

All Content is provided “as is” without any warranties of any kind. You understand and agree that the use of the Content is at your sole risk.

J R BERNSTEIN MEDIA INC. MAKES NO REPRESENTATIONS WITH RESPECT TO ANY CONTENT, INCLUDING PRODUCTS, SERVICES AND SOFTWARE AND, TO THE MAXIMUM EXTENT ALLOWED BY APPLICABLE LAW, DISCLAIMS ALL REPRESENTATIONS, WARRANTIES, GUARANTEES AND CONDITIONS OF ANY KIND, EXPRESS AND IMPLIED, REGARDING THE CONTENT (INCLUDING PRODUCTS, SERVICES AND SOFTWARE), INCLUDING WITHOUT LIMITATION, ALL REPRESENTATIONS, WARRANTIES, GUARANTEES OR CONDITIONS REGARDING ACCURACY, TIMELINESS, COMPLETENESS, CURRENTNESS, AVAILABILITY, EFFECTIVENESS, NON-INFRINGEMENT, SECURITY, PRIVACY, TITLE, USEFULNESS, SUITABILITY, QUALITY, MERCHANTABILITY OR FITNESS FOR ANY PARTICULAR PURPOSE. FURTHER, J R BERNSTEIN MEDIA INC. MAKES NO REPRESENTATION, WARRANTY OR GUARANTEE THAT THE CONTENT (INCLUDING PRODUCTS, SERVICES AND SOFTWARE) WILL BE SATISFACTORY TO YOUR NEEDS, MEET YOUR EXPECTATIONS, OR BE UNINTERRUPTED, TIMELY, ACCURATE, SECURE OR FREE FROM ERRORS

Collection of Information

We collect personally identifiable information, like names, postal addresses, email addresses, etc., when voluntarily submitted by our visitors. The information you provide is used to fulfill your specific request. This information is only used to fulfill your specific request, unless you give us permission to use it in another manner, for example to add you to one of our mailing lists.

Cookie/Tracking Technology

The Site may use cookie and tracking technology depending on the features offered. Cookie and tracking technology are useful for gathering information such as browser type and operating system, tracking the number of visitors to the Site, and understanding how visitors use the Site. Cookies can also help customize the Site for visitors. Personal information cannot be collected via cookies and other tracking technology, however, if you previously provided personally identifiable information, cookies may be tied to such information. Aggregate cookie and tracking information may be shared with third parties.

Distribution of Information

We may share information with governmental agencies or other companies assisting us in fraud prevention or investigation. We may do so when: (1) permitted or required by law; or, (2) trying to protect against or prevent actual or potential fraud or unauthorized transactions; or, (3) investigating fraud which has already taken place. The information is not provided to these companies for marketing purposes.

Commitment to Data Security

Your personally identifiable information is kept secure. Only authorized employees, agents and contractors (who have agreed to keep information secure and confidential) have access to this information. All emails and newsletters from this site allow you to opt out of further mailings.