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Y o u r P r i v a c y
Welcome to ResponsiveConceptsª' Web site. This section explains our policy regarding any personal information you might supply to us when you visit this site. Our goal is to protect your information on the Internet in the same way that we protect it in all the other ways we interact with you: in personal meetings, in faxes and on the phone.
ResponsiveConceptsª' I n t e r n e t P r i v a c y P o l i c y
1.You can visit this site and find out about our services or use other value-added services without giving us any information about yourself.
2.If you do provide personal information, please refer to the "ResponsiveConceptsª Privacy Promise for Consumers" on the next page.
C o o k i e s

In order to provide better service or to address security hazards, we will occasionally use a "cookie." A cookie is a small piece of information which a Web site stores on your Web browser on your PC and can later retrieve. The cookie cannot be read by a Web site other than the one that set the cookie. We use cookies for a number of administrative purposes; for example, to store your preferences for certain kinds of information or to store a password so that you do not have to input it every time you visit our site. Most cookies last only through a single session, or visit to our site. None will contain information that will enable anyone to contact you via telephone, e-mail, or any other means.

ResponsiveConceptsª P r i v a c y P r o m i s e f o r C l i e n t s
Your privacy is important to ResponsiveConceptsª. Our most important asset is our clients' trust. Keeping client information secure, and using it only as our clients would want us to, is a top priority for all of us. Here then, is our promise to our individual clients:
1.We will safeguard, according to strict standards of security and confidentiality, any information our clients share with us.
2.We will limit the use of client information to the minimum we require to deliver superior service to our clients, which includes advising our clients about our products, services and other opportunities, and to administer our business.
3.We will not reveal client information to any external organization unless we have previously informed the customer in disclosures or agreements, have been authorized by the client, or are required by law.
4.We will always maintain control over the confidentiality of our client information. We may, however, facilitate relevant offers from reputable companies. These companies are not permitted to retain any client information unless the client has specifically expressed interest in their products or services.
5.Whenever we hire other organizations to provide support services, we will require them to conform to our privacy standards and to allow us to audit them for compliance. We will continuously assess ourselves to ensure that customer privacy is respected. We will conduct our business in a manner that fulfills our Promise in the many nations in which we do business.

C o p y r i g h t A n d D i s c l a i m e r I n f o r m a t i o n
NOTICE. Please read these terms and conditions carefully. By accessing this site and any pages thereof, you agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, do not access this site, or any pages thereof.

Copyright © 2001 ResponsiveConcepts™. All rights reserved.
Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is owned by ResponsiveConcepts™ unless otherwise indicated.

ResponsiveConcepts™ logo is a registered trademark. All other logos depicted are service marks and trademarks of their prospective owners. ResponsiveConcepts™ may also claim trademark and service mark rights in other marks contained in the pages.

Use of information and materials
The information and materials contained in these pages - and the terms, conditions, and descriptions that appear - are subject to change.
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C o p y r i g h t A n d D i s c l a i m e r I n f o r m a t i o n
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Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final ResponsiveConcepts™ determination and acceptance. Investment products are not obligations of or guaranteed by Responsiveconcepts™.

No warranty.
The information and materials contained in this site, including text, graphics, links or other items - are provided "as is", "as available". ResponsiveConcepts™ does not warrant the accuracy, adequacy or completeness of this information and materials and expressly disclaims liability for errors or omissions in this information and materials.N
o warranty of any kind, implied, express or statutory, including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information and materials.

Limitation of liability.
In no event will ResponsiveConcepts™ be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with this site or use thereof or inability...
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C o p y r i g h t A n d D i s c l a i m e r I n f o r m a t i o n
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to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if ResponsiveConcepts™, or representatives thereof, are advised of the possibility of such damages, losses or expenses.Hyperlinks to other internet resources are at your own risk; the content, accuracy, opinions expressed, and other links provided by these resources are not investigated, verified, monitored, or endorsed by ResponsiveConcepts™.

All information submitted to ResponsiveConcepts™ via this site shall be deemed and remain the property of ResponsiveConcepts™. ResponsiveConcepts™ shall be free to use, for any purpose, any ideas, concepts, know-how or techniques contained in information a visitor to this site provides ResponsiveConcepts™ through this site. ResponsiveConcepts™ shall not be subject to any obligations of confidentiality regarding submitted information except as agreed by the ResponsiveConcepts™ entity having the direct customer relationship or as otherwise specifically agreed or required by law.

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