Disclaimer Terms of Service  Ramsey Capital ("Ramsey") provides investment services and account information via our web site, www.ramsey-capital.com, (the "Service"). This service is offered to the user conditioned on the user's acceptance without modification of the terms, conditions, and notices contained herein. Submission of the user application form and your use of our web site indicate your acceptance of this Agreement. Ramsey may modify the terms of Service from time to time. By continuing to use the Service following such changes, you agree to be bound by such modifications to the terms of Service. GENERAL TERMS AND CONDITIONS In consideration of your use of the Service, you agree to: (a) provide accurate, current and complete registration information; and (b) maintain and update this information to keep it accurate, current and complete. If any information provided by you is inaccurate, not current or incomplete, Ramsey has the right to terminate your account and refuse any and all current or future use of the Service. Only you may access the Service using your username and password. Each individual user must enroll separately and complete his or her own registration. You agree not to transfer or resell the Service or use of or access to the Service. COPYRIGHT, TRADEMARKS AND LIMITATIONS ON USE The Service and content of our web site are the property of Ramsey, its licensors and third parties and are protected by copyright and other intellectual property laws. Except as permitted below, content obtained through our web site may be displayed, downloaded, reformatted and printed for your personal, non-commercial use only. In no case is the ownership of any of the content, data or information transferred to you. You agree not to reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate the information received through our web site to any third party without the express written consent of Ramsey, with the following exception: Transfer or assignment of your password and user name to another individual is strictly prohibited. You acknowledge and agree that Ramsey may terminate your password or deny access to all or part of the Service without prior notice if you engage in any conduct or activities that Ramsey in its sole discretion believes violate any of the terms and conditions, violate the rights of Ramsey, or is otherwise inappropriate for continued access. Ramsey hereby reserves the right to audit and monitor, whether physically or electronically, the number of requests for information you submit, and the frequency and duration of your online activity at Ramsey.com. DISCLAIMER OF WARRANTIES AND LIABILITY Information accessible through the Service includes proprietary data from Ramsey as well as data (the "Information") obtained from other third party sources believed to be reliable. Ramsey does not guarantee the accuracy, completeness, timeliness or correct sequencing of the Information, nor do the providers of the Information or any parties transmitting the Information. There may be delays, omissions or inaccuracies in the Information. You agree that neither Ramsey, the information providers or transmitters of the Information shall have any liability contingent or otherwise, for the accuracy, completeness, timeliness or correct sequencing of the Information, or for any decision made or action taken by you in reliance upon the Information or the Service, or for interruption of any data, information or aspect of the Service. The Information provided does not constitute statements of fact or recommendations to purchase, sell or hold any properties, securities or projects. You are solely responsible for the adequacy and accuracy of the Information used by you and the resultant output and reports thereof. THE WEB SITE AND THE SERVICE ARE PROVIDED "AS IS" WITHOUT ANY WARRANTY OF ANY KIND. RAMSEY AND ITS THIRD PARTY INFORMATION PROVIDERS DISCLAIM ALL EXPRESS AND IMPLIED WARRANTIES INCLUDING WARRANTIES OF MERCHANTABILTY, SATISFACTORY QUALITY OR FITNESS FOR A PARTICULAR PURPOSE. NEITHER RAMSEY OR THE THIRD PARTY INFORMATION PROVIDERS WILL BE LIABLE FOR ANY DAMAGES, INCLUDING DIRECT, INDIRECT, INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES OR DAMAGES FOR LOSS OF PROFITS, REVENUE, DATA OR DATA USE, INCURRED BY YOU OR ANY THIRD PARTY, WHETHER IN AN ACTION IN CONTRACT OR TORT, EVEN IF YOU OR ANY OTHER PERSON HAS BEEN ADVISED OF THE POSSIBLITY OF SUCH DAMAGES. You agree that the liability of Ramsey, its agents and licensors, if any, arising out of any kind of legal claim in any way connected with the Service shall not exceed the amount you paid to Ramsey for use of the Service. INDEMNITY As a condition of the use of this website, you, the end user, agree to indemnify Ramsey and its licensors and third party providers from and against any and all liabilities, expenses (including attorneys' fees) and damages arising out of claims resulting from your use of this website, including without limitation any claims alleging facts that if true would constitute a breach by you of these terms and conditions. GENERAL You acknowledge that, in providing you with the Service, Ramsey has relied upon your agreement to be bound by the terms of this Agreement, and any related user or license agreement(s) that may accompany the Service. You further acknowledge that you have read, understood and agree to be bound by the terms of this Service Agreement, and hereby reaffirm your acceptance of these terms. This Agreement and performance hereunder will be governed by and construed in accordance with the laws of Hong Kong Special Administrative Region of China. If any provision of the Agreement is invalid or unenforceable under applicable law, it is, to that extent, deemed omitted and the remaining provisions will continue in full force and effect. Privacy Policy  (Updated January 1, 2008) GENERAL Ramsey Capital ("Ramsey") has created this privacy policy in order to demonstrate our firm commitment to the privacy of visitors to our website. Questions regarding Ramsey's privacy policy should be directed to legal@ramsey-capital.com. INFORMATION COLLECTED AND METHODS The following discloses Ramsey Capital’s information gathering and dissemination practices for this website (www.ramsey-capital.com): Your internet protocol (IP) address may be used to help identify you and/or your account information, and to provide you with customized or automated features. Our website uses order forms for users to request information, products and/or services.  We collect and store users' contact information (such as their email addresses). Contact information from the order forms is used to send orders and/or confirmations to our users. A user's contact information is also used to get in touch with the user when necessary. USE OF INFORMATION Any information collected by us is never sold, rented, loaned or otherwise distributed or transferred to any third party for any reason. A user's contact information will be used (1) for the purpose of communicating with that user on order-related issues and (2) for occasionally contacting that user with important news regarding our website or the user's account. Though Ramsey makes every effort to preserve user privacy, we may need to disclose personal information when required by law if we have a good faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on our website. Please be aware that in the event that Ramsey merges with a third party or in the event all or substantially all of Ramsey’s assets are acquired by a third party, user information, including personally identifiable information, will be shared and/or transferred to such third party. However, Ramsey will take reasonable steps to ensure that such information is used in a manner consistent with the Ramsey’s privacy policy under which it was collected. CHANGES TO THIS PRIVACY POLICY We may amend this privacy policy from time to time as we add new products and services, as we improve our current offerings, and as technologies change. If we make any material or substantive changes in our treatment of information collected at this website (www.ramsey-capital.com), we will notify you by posting a clear and conspicuous notice of these changes on our website and in this privacy policy.