Disclosure and Terms of Use

Please read the following carefully:

I. Terms and Conditions of Use
By using this site, you signify your acceptance of our Terms and Conditions of Use. Read them carefully before continuing. If you do not agree to these terms, do not use this site. We reserve the right at our discretion, to change, modify, add or remove portions of these terms at any time. We suggest that you revisit these terms periodically for changes. If you use this site after we post changes to the terms, you accept the changed terms.

The information provided on this site is not intended for distribution to, or use by, any person or entity in any jurisdiction where such distribution or use would be contrary to law or regulation or which would subject us or our affiliates to any registration requirement within such jurisdiction. We expressly reserve the right to monitor any and all use of this site. Neither the information, nor any opinion contained in this site constitutes a solicitation or offer by us or our affiliates to buy or sell any securities or provide any investment advice or service.

II. Copyright and Other Notices
The content on this site is the property of Flip Effective the “Company”) (or its licensors) and is protected by copyright and other intellectual property laws. Trademarks, service marks and logos used on this site are registered and unregistered trademarks of the Company, subject to the laws of the United States and other countries worldwide. This site and its content may only be used for your personal and noncommercial use. You agree not to reproduce, retransmit, distribute, disseminate, sell, publish, broadcast or circulate the content to anyone, including but not limited to others in your company or organization, without our prior written consent.

III. Consent to do Business Electronically / Secure Web Sites
By using, accessing or attempting to access any portion of this site that requires the use of Passwords, Personal Identification Numbers (PINs) or any other method of authentication or any combination of authentication methods, you are accessing a system/application that is the property of the Company or one or more of its affiliates. You may use the system/application to gain access to authorized information only. By providing the information requested periodically in a Consent to do Business Electronically form (presented at the time of login), you are:
• Consenting to do business electronically with the Company and its affiliates;
• Certifying you are the person legally associated with the passwords, PINs or method(s) of authentication being used;
• Certifying that you are the person identified by that information;
• If you are accessing the system/application on behalf of your employer, you are certifying that you have the appropriate authority to conduct business electronically on behalf of your employer;
• Accepting and agreeing to be bound by the Disclosures and Terms of Use that apply to this site and the Web sites of our affiliates; and
• Consenting to, and acknowledging that, activity on the system/application may be viewed, monitored and recorded by the Company and/or its affiliates in order to help prevent and detect potential fraud or other abuse, including unauthorized access to information.

When presented with the Consent to do Business Electronically form, if you do not agree with any of these items, you should select the “Do Not Consent” button and exit the system/application. By selecting “Do Not Consent” you will not be able to conduct business electronically with the Company which includes not being able to access accounts and information online. Unauthorized access or use or attempts to access or use the system/application is prohibited and may violate federal and/or state law. The Company may report unauthorized access, use or attempts to access or use to law enforcement.

IV. Indemnity
You agree to defend, indemnify, and hold harmless the Company, its officers, directors, managers, members, employees, affiliates and agents from and against any claims, actions, or demands, including without limitation reasonable legal and accounting fees, alleging or resulting from your use of this site and the content herein (including software) or your breach of the Terms and Conditions of Use. The Company shall provide notice to you of any such claim, suit, or proceeding and shall assist you, at your expense, in defending any such claim, suit, or proceeding.

V. Privacy
All personal information is subject to the Privacy Policy of the Company, which may be accessed by clicking on the Privacy Policy link at the bottom of any page. The information for the accounts you have with the Company is kept secure and confidential through multiple security features and procedures.

Online Privacy Policy

VI. Links to Other Sites – Limitation of Liability
The Company may provide, or third parties may provide, for your convenience and information only, links to other World Wide Web sites. Because the Company does not have control over these sites, you agree that the Company is not responsible for any liability resulting from the access or use of sites not owned by the Company and that the Company is not responsible for any content, advertising, product, or any other matter or issue, available through the World Wide Web, whether linked to, or from, this site. Further, you agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused, or alleged to be caused by or in connection with the use of Web sites the Company does not own.

VII. Third Party Applications – Modification Prohibited
The Company may provide you with access to third-party applications and services through this site. You agree not to modify, decompile or reverse engineer any such third party applications, or any code related to such third party applications.

VIII. Termination and Blocking
You agree that the Company reserves the right to terminate and/or block your use or access of this site for any reason without prior notice to you.

IX. Monitoring
The Company reserves the right to monitor your access and use of this site without notification to you.

X. Export Control
The United States controls the export of products and information. You agree to comply with such restrictions and not to export or re-export any material on this site to countries or persons prohibited under the export control laws. By downloading any material on this site, you are agreeing that you are not in a country where such export is prohibited and that you are not a person or entity to which such export is prohibited. You are responsible for compliance with the laws of your local jurisdiction regarding the import, export, or re-export of any material on this site.

XI. Disclaimer of Warranty and Limitation of Liability
The information on this site is provided “AS IS”. We do not warrant the accuracy of the materials provided herein, either expressly or impliedly, for any particular purpose and expressly disclaim any warranties of merchantability or fitness for a particular purpose. YOU AGREE THAT YOUR ACCESS TO, AND USE OF, THIS SITE AND THE CONTENT HEREIN IS AT YOUR RISK. YOU AGREE, THAT UNDER NO CIRCUMSTANCES SHALL THE COMPANY OR ITS AFFILIATES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE OR EXEMPLARY DAMAGES ARISING FROM INTERCEPTION BY THIRD PARTIES OF ANY INFORMATION MADE AVAILABLE TO YOU VIA THIS SITE, VIRUSES, WORMS, TROJAN HORSES OR OTHER CODE THAT HAS CONTAMINATING OR DESTRUCTIVE PROPERTIES OR YOUR REFERENCING, USING, ACCESSING, INABILITY TO USE OR ACCESS OR LINKING TO OR FROM THIS SITE OR ANY ERRORS OR OMISSIONS IN THE CONTENT HEREOF. There are some jurisdictions that do not allow for the exclusion of certain warranties or the limitation or exclusion of liability for consequential or incidental damages. Based on this conclusion, the liability of the Company and its affiliates is limited to the greatest extent permitted by law.

XII. Governing Law; Severability
We control and operate this site from our offices within the State of California. We do not claim that materials in this site are appropriate or available for use in locations other than California. If you choose to access this site from other locations, you do so on your own initiative, and you are responsible for compliance with any applicable local laws.

The internal laws of the State of California govern these terms. If you take legal action relating to these terms, you agree to file such action in a court located in Los Angeles, California, and you consent and submit to the personal jurisdiction of the state and federal courts located in Los Angeles, California for the purposes of litigating any such action.

If any provision of these terms is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these terms and will not affect the validity and enforceability of the remaining provisions.