Welcome to the website (“Site”) provided by Val Grubb & Associates, Ltd (“VGA”). This Agreement contains the terms, covenants, conditions, and provisions upon which you may access and use this Site and the information and materials found on this Site. This Agreement also contains the privacy policy applicable to your use of this Site. This Agreement is effective as of January 2016.

By accessing, viewing, or using this Site, you, the User, indicate that you understand and intend these Terms and Conditions and Privacy Policy to be the legal equivalent of a signed, written contract and equally binding, and that you agree to such Terms and Conditions and Privacy Policy. Please note that VGA reserves the right to change the Terms and Conditions and Privacy Policy under which this Site and its many offerings are extended to you. Your continued use of this Site constitutes your acceptance of such changes. You also agree that notices we may provide on the Site itself shall be deemed reasonable notice for this purpose.

1. Notices: Materials on this Site have been prepared by VGA for general informational purposes only. These materials do not, and are not intended to, constitute legal advice. The information provided at this website is not privileged and you should not act, or refrain from acting, based upon any information on this website.

2. Grant of License: This Agreement provides you, the User, with a personal, revocable, nonexclusive, nontransferable license to use this Site conditioned on your continued compliance with the Terms and Conditions of this Agreement. Users may print and download materials and information on this Site solely for personal and noncommercial use, provided that all hard copies contain all copyright and other applicable notices contained in such materials and information. Notwithstanding the foregoing and except as otherwise expressly permitted herein, a User may not modify, copy, distribute, broadcast, transmit, reproduce, publish, mirror, frame, license, transfer, sell, or otherwise use any information or material obtained from or through this Site. As a further condition of use of this Site, all Users warrant to VGA that they will not use this Site for any purpose that is unlawful or otherwise prohibited by these Terms and Conditions.

To seek permission to use materials and information (including screenshots of this Site) beyond the scope of the foregoing license, please contact Valerie Grubb at vgrubb@valgrubbandassociates.com. Any rights not expressly granted herein are reserved.

3. Intellectual Property Rights: All material contained on this Site, unless otherwise indicated, are protected by law, including, but not limited to, United States copyright, trade secret (for password protected areas), and trademark law, as well as other state, national, and international laws and regulations. Except as expressly provided herein, VGA does not grant any express or implied right(s) to Users of this Site. Please be aware that VGA actively and aggressively enforces its intellectual property rights to the fullest extent of the law. The contents of this Site are

©2022 Val Grubb & Associates Ltd. All Rights Reserved.

Removing or altering the copyright notice on any material on this Site is prohibited. VGA also owns a copyright on the Site as a collective work and/or compilation, and in the selection, coordination and arrangement of the Site’s content.

Any and all trademarks, names, logos, and icons identifying VGA products and services are proprietary marks of Val Grubb & Associates, Ltd. Other product and company names mentioned herein may be the trademarks of their respective owners.

4. Privacy Policy. VGA appreciates your concerns about maintaining the privacy of personal information collected on the Internet. Use of this Site constitutes consent to VGA collection and use of personal data.

5. Website Links. VGA may provide links, in its sole discretion, to other sites on the Internet for the convenience of its Users in locating related information and services. These sites have not necessarily been reviewed by VGA and are maintained by third parties over which VGA exercises no control. VGA expressly disclaims any responsibility for the privacy policies, information collection practices, the content, the accuracy of the information, and/or quality of products or services provided by or advertised on these third-party web sites. Moreover, these links do not imply an endorsement with respect to any third party or any website or the products or services provided by any third party.

6. ADDITIONAL DISCLAIMERS. VGA ENDEAVORS TO PROVIDE THE MOST ACCURATE, UP-TO-DATE INFORMATION AND MATERIALS AVAILABLE. HOWEVER, THE INFORMATION AND MATERIALS AVAILABLE ON THIS SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. MOREOVER, VGA MAY MAKE MODIFICATIONS AND/OR CHANGES IN THIS SITE OR IN THE INFORMATION AND MATERIALS AVAILABLE ON THIS SITE AT ANY TIME, FOR ANY REASON.

YOU, THE USER, ASSUME THE SOLE RISK OF MAKING USE OF, AND/OR RELYING ON, THE INFORMATION AND MATERIALS AVAILABLE ON THIS SITE. VGA MAKES NO REPRESENTATIONS ABOUT THE SUITABILITY, COMPLETENESS, TIMELINESS, RELIABILITY, LEGALITY IN YOUR JURISDICTION, OR ACCURACY OF THE INFORMATION AND MATERIALS AVAILABLE ON THIS SITE FOR ANY PURPOSE. ALL SUCH INFORMATION AND MATERIALS ARE PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND, INCLUDING ALL IMPLIED WARRANTIES AND CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NONINFRINGEMENT.

IN NO EVENT SHALL VGA BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE, OR FOR ANY INFORMATION AND MATERIALS AVAILABLE ON THIS SITE, OR OTHERWISE ARISING OUT OF THE UTILIZATION OF THIS SITE, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF VGA HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES.

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