Terms and Conditions

Use of the Asset Allocation Advisors, Inc. web site (“Site”), owned and operated by Asset Allocation Advisors, Inc., signifies that you accept the following Terms of Use. Nothing contained in these Terms of Use is intended to modify or amend any other written agreement, if any, that may currently be in effect between you and Asset Allocation Advisors, Inc. with regard to matters other than your use of the Site. Asset Allocation Advisors, Inc. may periodically modify these Terms of Use, and any such modifications will be effective immediately upon posting.

We suggest that you check the Terms of Use periodically for changes and modifications. The Terms of Use can be accessed from the link at the bottom of the Site pages. Asset Allocation Advisors, Inc. expressly reserves the right to monitor any and all use of this Site, without liability. If you do not agree to the Terms of Use, do not use this Site.

Note: accessing or requesting account information or transactions through this site constitutes and shall be deemed to be an acceptance of the following terms of use.

PERSONS RESIDENT OUTSIDE THE UNITED STATES
Asset Allocation Advisors, Inc. management services are offered only in the United States. Nothing on this Site should be considered a solicitation to buy or an offer to sell any security.

PRIVACY POLICY
At Asset Allocation Advisors, Inc. we respect every individual’s right to privacy and we protect our clients’ personal information. This has always been our policy. Our relationship with you is our most valuable asset. We understand that you have entrusted us with your private financial and personal information and we will always do everything possible to maintain your trust. We promise to continue to protect and defend your privacy and the confidentiality of your personal information.

As a client of Asset Allocation Advisors, Inc. you are entitled to know how we protect your personal information, and how we limit its disclosure.

Our Pledge to You:
1. We do not sell your personal information to anyone.
2. Your personal information is kept private among us and our affiliates.
3. We will protect the confidentiality of personal information you share with us.

Information sources: We obtain nonpublic personal information about our clients from the following sources: applications or other forms and your transactions with us, our affiliates or others.

Protection of information: We maintain physical and procedural safeguards to protect your personal account information in compliance with federal standards to guard your nonpublic personal information. Disclosure of information: We do not disclose any nonpublic personal information (such as customer names) about current or former clients to non-affiliated third parties, except as permitted by law (e.g., service providers used to conduct day-to-day business operations, or as required by legal process). Other security measures: Asset Allocation Advisors, Inc. corporate policies include a “Confidentiality Policy”. Employees with access to confidential customer information may not use or disclose personal information except as needed in normal day-to-day business operations.

LIMITED LICENSE AND RESTRICTIONS ON USE
Asset Allocation Advisors, Inc. grants you a limited, revocable, nonexclusive, nontransferable license to view, store, bookmark, download, and print the pages within this Site solely for your personal, informational, and noncommercial use or as expressly authorized by Asset Allocation Advisors, Inc. in writing. You are responsible for obtaining and maintaining all equipment, services, and other materials that you need to access this Site. Asset Allocation Advisors, Inc. reserves all rights not expressly granted in these Terms of Use. Except as otherwise stated in these Terms of Use as expressly authorized by Asset Allocation Advisors, Inc. in writing, you may not:

• Modify, copy, distribute, transmit, post, display, perform, reproduce, publish, broadcast, license, create derivative works from, transfer, sell, or exploit any reports, data, information, content, software, RSS and podcast feeds, products, services, or other materials on, generated by or obtained from this Site, whether through links or otherwise (collectively, "Materials");

• Redeliver any page, text, image or Materials on this Site using "framing" or other technology;
Engage in any conduct that could damage, disable, or overburden (i) this Site, (ii) any Materials or services provided through this Site, or (iii) any systems, networks, servers, or accounts related to this Site, including without limitation, using devices or software that provide repeated automated access to this Site, other than those made generally available by Asset Allocation Advisors, Inc.;

• Probe, scan, or test the vulnerability of any Materials, services, systems, networks, servers, or accounts related to this Site or attempt to gain unauthorized access to Materials, services, systems, networks, servers, or accounts connected or associated with this Site through hacking, password or data mining, or any other means of circumventing any access-limiting, user authentication or security device of any Materials, services, systems, networks, servers, or accounts related to this Site;

• Modify, copy, obscure, remove or display Asset Allocation Advisors, Inc. name, logo, trademarks, test, notices, or images without Asset Allocation Advisors, Inc.’s express written permission. To obtain such permission, you may e-mail us at website@AssetAllocationAdvisors.comThis e-mail address is being protected from spambots. You need JavaScript enabled to view it; or

• Include the term "Asset Allocation Advisors, Inc.," or any Asset Allocation Advisors, Inc. or executive’s name, or any variation of the foregoing, as a meta-tag, hidden textual element, or any other indicator that creates an impression of affiliation, sponsorship, or endorsement by Asset Allocation Advisors, Inc.

COPYRIGHT POLICY, NOTICE AND CLAIM INFORMATION
Asset Allocation Advisors, Inc. owns and operates this Site. All Materials on this Site, whether separate or compiled, including but not limited to, text, graphics, and audio clips. Logos, buttons, images, digital downloads, data compilations, software, icons, html code and xml code, as well as all copyright, patent, trademark, trade dress, and other rights therein, are owned or licensed by Asset Allocation Advisors, Inc. and its third-party information providers, and are protected by United States and international intellectual property laws. Pursuant to Section 512(c)(2) of the Copyright Revision Act, as enacted through the Digital Millennium Copyright Act, Asset Allocation Advisors, Inc. designates an agent as described below to receive notifications of claimed copyright infringement by mail: Gregory E. Schultz, Chief Compliance Officer, Asset Allocation Advisors, Inc., 1850 Mt. Diablo Blvd., Suite 335, Walnut Creek, CA 94596. The designated copyright agent can also be reached by telephone at (925) 944-9300 and by e-mail at This e-mail address is being protected from spambots. You need JavaScript enabled to view it. .

DATA, INFORMATION AND CONTENT
The Materials on this Site are for information, education, and noncommercial purposes only. Although Asset Allocation Advisors, Inc. may provide data, information, and content relating to investment approaches and opportunities to buy or sell securities and/or mutual funds, you should not construe any such information or other content available through this Site as legal or tax advice. You alone will bear the sole responsibility of evaluating the merits and risks associated with the use of any Materials on this Site before making any decisions based on such Materials. In exchange for using such Materials, you agree not to hold Asset Allocation Advisors, Inc. and its directors (trustees), officers, employees, or its third-party information providers liable for any possible claim for damages arising from any decision you make based on the Materials made available to you through this Site. By providing access to other websites, neither Asset Allocation Advisors, Inc. nor any of its affiliates is recommending the purchase or sale of the stock issued by any company, nor are they endorsing services provided by any website’s sponsoring organization.

OWNERSHIP OF OTHER MATERIALS
All trademarks, service marks, and logos appearing on this Site are the exclusive property of their respective owners. All Asset Allocation Advisors, Inc. graphics, logos, page headers, and service names are trademarks, service marks, or trade dress of Asset Allocation Advisors, Inc. Asset Allocation Advisors, Inc. trademarks, service marks and trade dress may not be used in connection with any product or service that is not Asset Allocation Advisors, Inc.’s, in any manner that is likely to cause confusion among customers or investors, or in any manner that disparages or discredits Asset Allocation Advisors, Inc. Nothing contained on this Site should be construed as granting any license or right in or to any trademarks, service marks, or trade dress of Asset Allocation Advisors, Inc.

THIRD-PARTY CONTENT
Data and other materials appearing on this Site that are provided by third parties are believed by Asset Allocation Advisors, Inc. to be obtained from reliable sources, but Asset Allocation Advisors, Inc. cannot guarantee and is not responsible for their accuracy, timeliness, completeness, or suitability for use. Asset Allocation Advisors, Inc. is not responsible for, and does not prepare, edit, or endorse, the content, advertising, products, or other materials on or available from any website owned or operated by a third party that is linked to this Site via hyperlink. The fact that Asset Allocation Advisors, Inc. has provided a link to a third party’s website does not constitute an implicit or explicit endorsement, authorization, sponsorship, or affiliation by Asset Allocation Advisors, Inc. with respect to such website, its owners, providers, or services. You will use any such third-party content at your own risk.

WARRANTY DISCLAIMERS
You expressly understand and agree that: There are no implied or expressed warranties on the materials in this site; the materials are provided "as is" and "as available basis." Asset Allocation Advisors, Inc., affiliates, agents, directors (and trustees), officers, employees, licensors and any third-party information providers and vendors disclaim, to the fullest extent under applicable law, any warranty of any kind, whether express or implied, as to any matter whatsoever relating to this service, including without limitation the implied warranties of merchantability, fitness for a particular purpose, non-infringement, and all warranties regarding security, currency, correctness, quality, accuracy, completeness, reliability, performance, timeliness, or continued availability, with respect to (i) the site; (ii) any materials, products, or services available on or through the site; (iii) use of the site, materials, products, or services; and (iv) the results of the use of the site, materials, products, or services. Further, Asset Allocation Advisors, Inc., affiliates, directors (and trustees), officers, employees, agents, licensors, and any third-party information providers and vendors expressly disclaim all warranties with respect to any delays or errors in the transmission or delivery of any materials, products, or services available through this site. Except as provided by law, neither Asset Allocation Advisors, Inc. nor its third-party information providers and vendors has any responsibility to maintain the materials, products, or services offered on the site or to supply corrections, updates, or releases for the same. Use of this service is at your own risk. Reference to a fund or security anywhere on this web site is not a recommendation to buy, sell, or hold that or any other security. If you live in a state that does not allow disclaimers of certain warranties, some of the above exclusions may not apply to you. This warranty gives you specific legal rights, and may have other rights, which vary from jurisdiction to jurisdiction.

LIABILITY AND INDEMNITY
Any materials downloaded or otherwise obtained through this site are done at your own risk. You are solely responsible for any damage to your computer system or other equipment, or loss of data that results from such download. Neither Asset Allocation Advisors, Inc. nor its affiliates, directors (and trustees), officers, employees, agents, licensors, or any third-party information providers and vendors will be liable for any direct, indirect, incidental, special, consequential, punitive, or exemplary damages, including but not limited to, damages for loss of profits, revenue, income, goodwill, use, data, or other intangible losses, or damages caused by theft, unauthorized access, systems failure, or communications line failure, or the cost or procuring substitute goods or services, caused by the use of or inability to use the site, materials or any products or services provided herein, or any other matter relating to this site, even if Asset Allocation Advisors, Inc. has been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above exclusions or limitations may not apply to you. To the extent that a jurisdiction does not permit the exclusion or limitation of liability as set forth herein, the liability of Asset Allocation Advisors, Inc. and its affiliates, subsidiaries, directors, officers, employees, agents, licensors, and any third-party information providers and vendors is limited to the extent permitted by law in such jurisdictions. You agree to indemnify, defend, and hold harmless Asset Allocation Advisors, Inc., its affiliates, and each of its and their officers, directors (and trustees), employees, and agents, from and against all claims, demands, liabilities, damages, losses, or expenses, including attorney’s fees and costs, arising out of or related to your improper access to or use of this Site, or any violation by you of these Terms of Use.

TIMELINESS OF CONTENT
All content on this Site is presented only as of the date published or indicated, and may be superseded by subsequent market events or for other reasons. In addition, you are responsible for setting the cache settings on your browser to ensure you are receiving the most recent data.

TERMINATION
The rights granted to you herein terminate immediately if you fail to comply with the Terms of Use. Asset Allocation Advisors, Inc., in its sole discretion, reserves the right to temporarily or permanently terminate your access to and use of this Site at any time and for any reason whatsoever, without notice or liability. Asset Allocation Advisors, Inc. will not be liable to you or any third party for any termination of your access to or use of this Site.

INTEGRATION AND SEVERABILITY
If any provision of these Terms of Use is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these Terms of Use and will not affect the validity and enforceability of the remaining provisions. The preceding Terms of Use represent the entire agreement between Asset Allocation Advisors, Inc. and the user relating to the subject matter herein. Terms of Use as of: January 28, 2008 Copyright © 2008 Asset Allocation Advisors, Inc.. All rights reserved.