Please read the following terms and conditions carefully. Use of this website is conditioned upon, and signifies your agreement to, the following terms and conditions listed here and throughout this website. Financial Focus, LLC (“Financial Focus”) may amend these terms and conditions. Each use of this site reaffirms your acceptance of the terms and conditions contained within this website at that time of use.

Terms of Use 

While we have tried to present timely and accurate information, and have relied on sources we believe to be reliable, technical and factual inaccuracies may occur. Financial Focus does not warrant the accuracy and completeness, either expressly or implied, of the materials presented on this website. Due to the possibility of human, mechanical and electronic errors, as well as many other factors, Financial Focus is not responsible for any errors and omissions in information contained within this site, and the information, products and services available on or through it, are provided "as is," without warranty of any kind, either express or implied, including without limitation: (a) any warranties concerning availability, accuracy or content; and (b) any warranties of title or warranties of merchantability or fitness for a particular purpose. Neither Financial Focus nor its affiliates, directors, officers, shareholders, members or employees will be liable or have any responsibility for any loss or damage due to failure or interruption of this site or resulting from an act or omission making data contained within this site unavailable.

This site may provide links to other web sites. Third parties, over whom Financial Focus exercises no control, maintain these web sites. Financial Focus expressly disclaims any responsibility for the content, accuracy of information, and availability of and/or quality of products, services or software provided by or advertised on any third-party web sites. If you leave this site through a hyperlink, or any other means, you do so at your own risk. Financial Focus is not responsible or liable for any content or other materials on or available through such sites or any losses related thereto.

Financial Focus’Focus’s web site is limited to the dissemination of general information regarding its investment advisory services to United States residents residing in states where providing such information is not prohibited by applicable law.  Accordingly, the publication of Financial Focus’Focus’s web site on the Internet should not be construed by any consumer and/or prospective client as a solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet.  Furthermore, the information resulting from the use of tools or other information on this website should not be construed, in any manner whatsoever, as the receipt of, or a substitute for, personalized individual advice. The information on this site shall not be considered a solicitation to buy or an offer to sell a security to any person in any jurisdiction where such offering or solicitation would be unlawful under the securities laws of such jurisdiction. Financial Focus makes no representations or warranties that this site content is applicable to or appropriate for use in locations outside of the United States.

Copyright/Trademark/License 

All content, information, products and services available on or through this site are owned, licensed or controlled by Financial Focus or its affiliates. This website is also protected under United States copyright laws. This site is copyright ©2010 Financial Focus, LLC. All rights reserved. No permission is granted to copy, distribute, modify, post or frame any text, graphics, video, audio, software code, or user interface design or logos. Without the advance written permission of Financial Focus you may not sell, copy, publish, "mirror" on any other server, distribute, modify, transfer or reproduce any material contained on this site. Notwithstanding the foregoing, any materials provided by third parties may be subject to additional and/or different terms of use and restrictions that control the use of such materials. Unauthorized use of any material contained on this site may violate copyright laws, trademark laws, trade secret laws, the laws of privacy and publicity, and communications regulations and statutes. Request for consent must be made in writing and should be mailed to Financial Focus, LLC, 70 South Orange Avenue, Suite 245, Livingston, NJ 07039.

Timeliness of Content and Disclaimers

The information available on this site is reviewed and updated with due diligence on a regular basis, however, information available on this site may become outdated. Financial Focus does not assume any liability or guarantee for the timeliness, accuracy and completeness of the information provided herein. Financial Focus makes reasonable efforts to obtain content for

this site from sources it believes to be reliable, but makes no representation or warranty that the information available on this site is correct, accurate, complete or reliable. The information on this site is provided for informational purposes only and is subject to change without notice. Nothing contained on this site constitutes investment, legal, tax or other advice nor is it to be relied on in making an investment or any other decision. The investments and strategies discussed on this site may not be suitable for you and you should consult with your personal tax, legal and investment advisers before making any investment decision.

Indemnification

You agree to indemnify and hold harmless Financial Focus its subsidiaries, affiliates, members, shareholders, officers, directors, employees, and agents from and against any and all claims, proceedings, liabilities, damages, losses, costs and expenses, including reasonable attorney's fees and litigation expenses, relating to or arising from your access to or use of this site and any breach by you of these terms and conditions or other improper act or omission by you. Amendment of these terms and conditions may only be made in writing by Financial Focus.

Financial Focus shall not, in any event, be liable for any direct or indirect, special, incidental or consequential damages, including but not limited to lost profits, trading or other losses, expenses and damages that result from inconvenience, delay or loss of use of this site, arising in connection with use of this site or the products and services available on or through this site, even if Financial Focus or its representatives, are advised of the possibility of such damages or losses.

Financial Focus is an SEC registered investment adviser with offices in New Jersey.  Financial Focus and its representatives are in compliance with the current registration and notice filing requirements imposed upon SEC registered investment advisers by those states in which Financial Focus maintains clients.  Financial Focus may only transact business in those states in which it is notice filed, or qualifies for an exemption or exclusion from notice filing requirements.  Any subsequent, direct communication by Financial Focus with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides.  For information pertaining to the registration status of Financial Focus please contact the United States Securities and Exchange Commission on their web site at www.adviserinfo.sec.gov.