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Terms and Conditions

Web Site Terms and Conditions of Use

1. Terms

By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trade mark law weather by Virtua Research or others.

2. Use License

Permission is granted to this site depending on level of permission. Research is for personal consumption only unless otherwise permitted by agreement between Virtua and user. This is the grant of a license, not a transfer of title, and under this license you may:

	only modify or copy the materials to the terms of agreement;

	not use the materials for any commercial purpose outside of research analysis, or for any public display (commercial or non-commercial);

	not attempt to decompile or reverse engineer any software contained on Virtua Research's web site;

	not remove any copyright or other proprietary notations from the materials; or

	not transfer the materials to another person or "mirror" the materials on any other server with out the specific permission of Virtua Research

This license shall automatically terminate if you violate any of these restrictions and may be terminated by Virtua Research at any time. Upon terminating your viewing of these materials or upon the termination of this license, you may retain any downloaded materials in your possession whether in electronic or printed format only for continued personal use.

Usernames and passwords are authorized only to the subscribing members. Sharing of user names beyond the authorized users is strictly prohibited. Under no circumstances are passwords to be shared beyond authorized use.

3. Disclaimer

The materials on Virtua Research's web site are provided "as is". Virtua Research makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, Virtua Research does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.

Research that is provided, prepared and issued by Virtua Research Inc., is provided as a non-member affiliate of Vandham Securities Corp, members FINRA and SIPC. Research is provided for informational purposes only, and does not constitute an offer or solicitation to buy or sell any securities discussed herein in any jurisdiction where such offer or solicitation would be prohibited

Vandham Securities is a minority shareholder in Virtua research and does not exercise any control or have any participation in its research activities. Accordingly Vandham Securities Corp. may at its choosing sell Virtua’s products by third party subscription service only.

Securities mentioned as part of this site in this site may not be suitable for all types of investors. This site and its associated research does not take into account the investment objectives, financial situation or specific needs of any particular client and recipients should consider any research as only factors in making investment decisions. Recipients should not rely solely on investment considerations or recommendations contained herein, if any, as a substitution for the exercise of independent judgment of the merits and risks of investments.

Before making an investment decision with respect to any security referred to on this site, the recipient should consider whether such investment consideration is appropriate given the recipient's particular investment needs, objectives and financial circumstances.

Past performance is not a guarantee of future results, and no representation or warranty, express or implied, is made regarding future performance of any security mentioned on this site. The price of the securities mentioned in this report and the income they produce may fluctuate and/ or be adversely affected by exchange rates, and investors may realize losses on investments in such securities, including the loss of investment principal.

Neither Virtua Research Inc. nor its independent research affiliates accept any liability for any loss arising from the use of information contained on this site. Information, opinions and statistical data contained on this site were obtained or derived from sources believed to be reliable. Virtua Research Corp. nor its affiliates represent that any such information, opinion or statistical data as accurate or complete.

All estimates, opinions and recommendations expressed herein constitute judgments as of the date of publication and are subject to change without notice. Nothing on this site constitutes legal, accounting or tax advice. Since the levels and bases of taxation can change, any reference on this site to the impact of taxation should not be construed as offering tax advice on the tax consequences of investments.

4. Limitations

In no event shall Virtua Research or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on Virtua Research's Internet site, even if Virtua Research or a Virtua Research authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.

5. Revisions and Errata

The materials appearing on Virtua Research's web site could include numerical, technical, factual, typographical, or photographic errors. Virtua Research does not warrant that any of the materials on its web site are accurate, complete, or current. Virtua Research may make changes to the materials contained on its web site at any time without notice. Virtua Research does not, however, make any commitment to update the materials.

6. Links

Virtua Research has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by Virtua Research of the site. Use of any such linked web site is at the user's own risk.

7. Site Terms of Use Modifications

Virtua Research may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.

8. Governing Law

Any claim relating to Virtua Research's web site shall be governed by the laws of the State of Massachusetts without regard to its conflict of law provisions.

General Terms and Conditions applicable to Use of a Web Site.

Your privacy is very important to us. Accordingly, we have developed this Policy in order for you to understand how we collect, use, communicate and disclose and make use of personal information. The following outlines our privacy policy.

Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.

We will collect and use of personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law. .

We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.

Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.

We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.

We will make readily available to customers information about our policies and practices relating to the management of personal information.

We are committed to conducting our business in accordance with these principles in order to ensure that the confidentiality of personal information is protected and maintained

© 2008 Virtua Research Inc. and Vandham Securities Corp. All rights reserved. Unauthorized use, distribution, duplication or disclosure without the prior written permission of Virtua Research Corp. and Vandham Securities Corp. is prohibited by law and may result in prosecution.