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1. kravitzinvest.com License. As a user of kravitzinvest.com you are granted a nonexclusive, nontransferable, revocable, limited license to access and use kravitzinvest.com and Content in accordance with these Terms of Use. Kravitz Investment Services Advisors may terminate this license at any time for any reason.

2. Limitations on Use. The Content on kravitzinvest.com is for personal use only and not for commercial exploitation. You may use this site for your own personal use or your organization's internal use only. You may not decompile, reverse engineer, disassemble, rent, lease, loan, sell, sublicense, or create derivative works from kravitzinvest.com or the Content. Nor may you use any network monitoring or discovery software to determine the site architecture, or extract information about usage or users. You may not use any robot, spider, or other automatic or manual device or process to monitor or copy kravitzinvest.com or the Content without Kravitz Investment Services Advisors' prior written permission. You may not print, download, copy, modify, reproduce, republish, distribute, display, or transmit for commercial, non-profit or public purposes all or any portion of kravitzinvest.com, except to the extent permitted above. You may not use or otherwise export or re-export kravitzinvest.com or any portion thereof, the Content or any software available on or through kravitzinvest.com in violation of the export control laws and regulations of the United States of America. Any unauthorized use of kravitzinvest.com or the Content is prohibited.

3. Not Professional Advice. kravitzinvest.com and the Content do not constitute accounting, consulting, investment, legal, tax or any other type of professional advice, and should be used only in conjunction with the services of a Kravitz Investment Services Advisors consultant and any other appropriate professional advisors who have full knowledge of the user's situation. The accuracy, completeness, adequacy or currency of kravitzinvest.com or the Content is not warranted or guaranteed. Your use of the Content, kravitzinvest.com, or materials linked from kravitzinvest.com is at your own risk.

4. Intellectual Property Rights. All Content, unless otherwise indicated, is protected by law including, but not limited to, United States copyright, trade secret, and trademark law, as well as other state, national, and international laws and regulations. Except as expressly provided in this Agreement or the Site, Kravitz Investment Services Advisors does not grant any express or implied rights to you under any patent, copyright, trademark, or trade secret information. Accordingly, any unauthorized use of kravitzinvest.com or the Content may violate copyright laws, trademark laws, trade secret laws, or laws relating to privacy and publicity.

By submitting content to a forum or any other portion of kravitzinvest.com, you automatically grant Kravitz Investment Services Advisors a royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, adopt, publish, edit (for length or clarity), translate, create derivative works from, distribute, redistribute, transmit, perform and display such content (in whole or in part) worldwide and/or to incorporate it in other works in any form, media or technology now know or later developed for the full term of any rights that my exist in such content. Kravitz Investment Services Advisors reserves the right to remove any content submitted to kravitzinvest.com at any time for any reason.

5. Registration. Certain sections of kravitzinvest.com require you to register. If registration is requested, you agree to supply Kravitz Investment Services Advisors with accurate and complete registration information. It is your responsibility to inform Kravitz Investment Services Advisors of any changes to that information. You are responsible for all uses of your account, whether or not actually or expressly authorized by you.

6. Errors and Corrections. Kravitz Investment Services Advisors does not represent or warrant that kravitzinvest.com will be error-free, free of viruses or other harmful components, or that defects will be corrected. Kravitz Investment Services Advisors does not warrant or represent that the Content and any information available on or through kravitzinvest.com will be correct, accurate, timely, or otherwise reliable. Kravitz Investment Services Advisors may make changes to the Content or kravitzinvest.com at any time.

7. Third-Party Content. Third-party content may appear on or be accessible from kravitzinvest.com. Kravitz Investment Services Advisors is not responsible for and assumes no liability for any third-party content.

8. DISCLAIMER. kravitzinvest.com AND THE CONTENT IS PROVIDED ON AN "AS-IS" BASIS. Kravitz Investment Services Advisors EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. Kravitz Investment Services Advisors DISCLAIMS ALL RESPONSIBILITY FOR ANY LOSS, INJURY, CLAIM, LIABILITY, OR DAMAGE OF ANY KIND RESULTING FROM, ARISING OUT OF OR ANY WAY RELATED TO: (A) ANY ERRORS IN OR OMISSIONS FROM kravitzinvest.com AND THE CONTENT, INCLUDING BUT NOT LIMITED TO TECHNICAL INACCURACIES AND TYPOGRAPHICAL ERRORS; (B) ANY THIRD-PARTY WEB SITES OR CONTENT THEREIN DIRECTLY OR INDIRECTLY ACCESSED THROUGH LINKS IN kravitzinvest.com , INCLUDING BUT NOT LIMITED TO ANY ERRORS IN OR OMISSIONS THEREFROM; (C) THE UNAVAILABILITY OF kravitzinvest.com OR ANY PORTION THEREOF; (D) YOUR USE OF kravitzinvest.com; OR (E) YOUR USE OF ANY EQUIPMENT OR SOFTWARE IN CONNECTION WITH kravitzinvest.com.

9. LIMITATION OF LIABILITY. Kravitz Investment Services Advisors SHALL NOT BE LIABLE FOR ANY LOSS, INJURY, CLAIM, LIABILITY, OR DAMAGE OF ANY KIND RESULTING FROM YOUR USE OF kravitzinvest.com OR THE CONTENT. Kravitz Investment Services Advisors SHALL NOT BE LIABLE FOR ANY SPECIAL, DIRECT, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES OF ANY KIND WHATSOEVER (INCLUDING, WITHOUT LIMITATION, ATTORNEYS' FEES) IN ANY WAY DUE TO, RESULTING FROM, OR ARISING IN CONNECTION WITH THE USE OF OR INABILITY TO USE kravitzinvest.com OR THE CONTENT. TO THE EXTENT THE FOREGOING LIMITATION OF LIABILITY IS PROHIBITED, Kravitz Investment Services Advisors' SOLE OBLIGATION TO YOU FOR DAMAGES SHALL BE LIMITED TO $1,000.00 USD.

10. Unlawful Activity. Kravitz Investment Services Advisors reserves the right to investigate complaints or reported violations of the Terms of Use and to take any action we deem appropriate.

11. Remedies for Violations. Kravitz Investment Services Advisors reserves the right to seek all remedies available at law and in equity for violations of these Terms of Use, including but not limited to the right to block access from a particular Internet address to kravitzinvest.com and their features.

12. Governing Law and Jurisdiction. This Agreement has been made in and shall be construed and enforced in accordance with California law without regard to the conflict of law provisions thereof. Any action to enforce this agreement shall be brought in the appropriate United States federal or local courts with jurisdiction in Los Angeles, California.

13. Privacy. Your use of kravitzinvest.com is subject to Kravitz Investment Services Advisors' Privacy Policy.

14. Severability of Provisions. These Terms of Use incorporate by reference any notices contained on kravitzinvest.com and the Privacy Policy. These terms constitute the entire agreement with respect to access to, and use of, kravitzinvest.com. If any provision of these Terms of Use is unlawful, void or unenforceable, or conflicts with the Terms of Use then that provision shall be deemed severable from the remaining provisions and shall not affect their validity and enforceability.

15. Modifications to Terms of Use. Kravitz Investment Services Advisors reserves the right to change these Terms of Use at any time. Updated versions of the Terms of Use will appear on kravitzinvest.com and are effective immediately. You are responsible for regularly reviewing the Terms of Use. Continued use of kravitzinvest.com after any such changes constitutes your consent to such changes.

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