FACEBOOK PAGE Privacy Policy

Website 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, applicable laws and regulations and their compliance. If you disagree with
any of the stated terms and conditions, you are prohibited from using or accessing this site. The
materials contained in this site are secured by relevant copyright and trade mark law.

2. Use License

1. Permission is allowed to temporarily download one duplicate of the materials (data or
programming) on California Insurance & Retirement Report’s site for individual and
non-business use only. This is the just a permit of license and not an exchange of title, and
under this permit, you may not:

- modify or copy the materials;

- use the materials for any commercial use, or for any public presentation (business or
non-business);

- attempt to recompile or rebuild any product or material contained on California Insurance &
Retirement Report’s site;

- remove any copyright or other restrictive documentations from the materials; or

- transfer the materials to someone else or even “mirror” the materials on another server.

2. This permit might consequently be terminated if you disregard any of these confinements and
may be ended by California Insurance & Retirement Report whenever deemed. After permit
termination or when your viewing permit is terminated, you must destroy any downloaded
materials in your ownership whether in electronic or printed form.

3. Disclaimer

The materials on California Insurance & Retirement Report’s site are given “as is”. California
Insurance & Retirement Report makes no guarantees, communicated or suggested, and thus
renounces and nullifies every single other warranty, including without impediment, inferred
guarantees or states of merchantability, fitness for a specific reason, or non-encroachment of
licensed property or other infringement of rights. Further, California Insurance & Retirement
Report does not warrant or make any representations concerning the precision, likely results, or
unwavering quality of the utilization of the materials on its Internet site or generally identifying
with such materials or on any destinations connected to this website.

4. Constraints

In no occasion should California Insurance & Retirement Report or its suppliers subject for any
harms (counting, without constraint, harms for loss of information or benefit, or because of
business interference,) emerging out of the utilization or powerlessness to utilize the materials
on California Insurance & Retirement Report’s Internet webpage, regardless of the possibility
that California Insurance & Retirement Report or a California Insurance & Retirement Report
approved agent has been told orally or in written of the likelihood of such harm. Since a few
purviews don’t permit constraints on inferred guarantees, or impediments of obligation for
weighty or coincidental harms, these confinements may not make a difference to you.

5. Amendments and Errata

The materials showing up on California Insurance & Retirement Report’s site could incorporate
typographical, or photographic mistakes. California Insurance & Retirement Reported does not
warrant that any of the materials on its site are exact, finished, or current. California Insurance &
Retirement Report may roll out improvements to the materials contained on its site whenever

without notification. California Insurance & Retirement Report does not, then again, make any
dedication to update the materials.

6. Links

California Insurance & Retirement Report has not checked on the majority of the websites or
links connected to its website and is not in charge of the substance of any such connected
webpage. The incorporation of any connection does not infer support by California Insurance &
Retirement Report of the site. Utilization of any such connected site is at the user’s own risk.

7. Site Terms of Use Modifications

California Insurance & Retirement Report may update these terms of utilization for its website
whenever without notification. By utilizing this site you are consenting to be bound by the then
current form of these Terms and Conditions of Use.

8. Governing Law

Any case identifying with California Insurance & Retirement Report’s site should be
administered by the laws of the country of the United States without respect to its contention of
law provisions.

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

Privacy Policy

Your privacy is critical to us.

Likewise, we have built up this Policy with the end goal you should see how we gather, utilize,
impart and reveal and make utilization of individual data.

The following blueprints 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 gather and utilization of individual data singularly with the target of satisfying those
reasons indicated by us and for other good purposes, unless we get the assent of the individual
concerned or as required by law.

- We will just hold individual data the length of essential for the satisfaction of those reasons.

- We will gather individual data by legal and reasonable means and, where fitting, with the
information or assent of the individual concerned.

- Personal information ought to be important to the reasons for which it is to be utilized, and, to
the degree essential for those reasons, ought to be exact, finished, and updated.

- We will protect individual data by security shields against misfortune or burglary, and also
unapproved access, divulgence, duplicating, use or alteration.

- We will promptly provide customers with access to our policies and procedures for the
administration of individual data.

We are focused on leading our business as per these standards with a specific end goal to
guarantee that the privacy of individual data is secure and maintained.