This website is owned and operated by Sapien Partners Inc. (hereinafter “Sapien”). It is one of multiple Sapien websites which may be accessed through the drop-down menu in the website banner. The following terms and conditions apply to usage of this website and all other accessible Sapien websites (hereinafter “Site”), and they also apply to any report or profile contained in the Site (hereinafter “Content”) that is emailed or otherwise forwarded to a recipient from the Site. Please read the following terms and conditions each time you use the Site or Content, as they may change at any time:

In order to use the Site, or Content emailed or forwarded from the Site, you must to agree to comply with the following terms and conditions. If you do not agree to comply with, or fully understand, these terms and conditions, please do not use the Site or the Content.

TERMS AND CONDITIONS

All Content is written and provided solely for general introductory/informational purposes at the time of posting. In all cases, individual professional counsel must be obtained to confirm the validity, suitability, and applicability of any information provided in the Content, as it relates to individual circumstances.

You may view, print, email, download, or reproduce Content only if: 1) you do so only for personal usage or the usage of an organization to which you belong, or in limited quantities, for an aquaintance’s personal usage or the usage of an organization to which the acquaintance belongs, 2) you make no attempt to alter or omit any part of a report or profile in Content in any way, 3) you do so only for the general introductory/educational purpose for which the Content is provided, with no intent to exploit the Content in any other way, 4) you honor all applicable copyright laws, and 5) if you email or otherwise forward Content to an acquaintance, you must be certain that notice of this SAPIEN PARTNERS WEBSITE / CONTENT USAGE AGREEMENT is included with the Content, and that the recipient is aware that the Terms and Conditions of this Agreement applies to the Content provided.

You may not print, transfer, duplicate, email or download any text, images or software found in these Sites, other than the Content.

Sapien does not endorse and is in no way responsible for the providers and/or authors of the Content in the Site, or the information, products or services they provide, related or unrelated to the Site. You are advised to fully investigate all parties and all relevant information associated with the Site and the Content before proceeding with any transaction, and you hereby release Sapien from all claims, demands and damages of every kind (actual, consequential or otherwise), arising from or relating to any dispute with any of the Content providers, or other third parties. Additionally, you hereby waive any legal protections of any jurisdiction that may apply to you that would limit the foregoing release in any way.

Sapien makes no representations or warranties of any kind regarding the Site and the Content, which are provided in "AS IS" condition, and Sapien expressly disclaims any and all warranties, express or implied, regarding their merchantability or fitness for a particular purpose. You use the Site and Content at your own risk, and Sapien is not liable for any damages of any kind, as a result of Site or Content usage. Under no circumstances will Sapien be liable for any direct, incidental, consequential, indirect, punitive, or special damages, as a result of using this Site or Content, even if Sapien has been informed or should have known of the possibility of such damages. You agree to indemnify and hold Sapien harmless from any and all defenses, judgments, damages, and losses (including attorney and professional fees) arising from or relating to a breach or alleged breach of your obligations under these Terms and Conditions or your use of the Site or the Content. Some jurisdictions do not allow the limitation or exclusion of warranties or liability, therefore some of these limitations or exclusions may not apply to you.

No delay or omission by Sapien in exercising any of its rights under these Terms and Conditions will impair any such right or be construed to be a waiver thereof. If any provision of these Terms and Conditions is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect, and will be reformed to be consistent with the original intent of this Agreement, to the greatest extent possible permitted by law. These Terms and Conditions represent the entire agreement between you and Sapien, and may not be amended or superceded without prior written approval by Sapien, and signed by an authorized Sapien officer. Enforcement of these Terms and Conditions and related claims will be governed by the laws of the Commonwealth of Massachusetts, and administered within the courts of Massachusetts.