The following terms and conditions ("Terms and Conditions") govern your use of this Web Site (the "Site"). By accessing, viewing, or using the material on the Site, you indicate that you understand, acknowledge and intend these Terms and Conditions to be the legal equivalent of a signed, written contract, and equally binding, and that you accept such Terms and Conditions and agree to be legally bound by them. 5 Horizons Group, LLC. (referred to hereinafter as "the Company") may revise these Terms and Conditions at any time by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review the then current Terms and Conditions. If you do not agree to these Terms and Conditions, then please do not use the Site.

1. You should assume that all materials, designs, text and images (collectively, the "Materials") contained in the Site are either the copyrighted property of the Company or are the copyrighted property of third parties and licensed to the Company.

2. The Materials contained in this Website may not be copied, reproduced, transmitted, displayed, performed, distributed, rented, sublicensed, altered, stored by subsequent use or otherwise used in whole or in part in any manner without the Company’s prior written consent, except that the user may make such temporary copies in a single computer’s RAM and hard drive as is necessary to browse the Website (unmodified in form, with a copy of this Terms of Use Agreement attached) to be used by the user for personal and non-commercial uses which do not harm the reputation of the Company. You may not use our Website or any of its contents to collect information through data mining, robots or similar data gathering or extraction tools. You may not frame or utilize framing techniques to enclose any trademark, logo or other proprietary information (including images, text, page layout or form) of the Company and our affiliates. Any attempt to infringe upon or to circumvent these copyrights or trademarks will subject the infringing individual or organization to severe criminal and civil penalties as prescribed by law.
3. Not all services mentioned on this Site are available to all visitors. Your eligibility for particular products or services is subject to 5 Horizons Group, LLC or the applicable content provider.
4. 5 Horizons Group welcomes your feedback and may ask that you transmit your comments to the Site by e-mail. Other than information, which is addressed under our Privacy Policy, any and all comments, suggestions, ideas, graphics, or other information that you transmit or post to the Site becomes and will:

(a) be treated as non-confidential and non-proprietary by 5 Horizons Group,

(b) become the property of 5 Horizons Group, giving the Company all rights, title and interest therein, and

(c) used without restriction by the Company or its affiliates.

5. In making the Site available, no client, advisory, fiduciary or professional relationship is implicated or established. Neither the Company nor any other person is, in connection with the Site, engaged in rendering auditing, accounting, tax, legal, advisory, consulting or other professional services or advice. Neither the Site nor any content on or accessed through the Site shall be considered a substitute for the independent investigations and the sound technical and business judgment of the user of this Site. The user should consult with a professional advisor familiar with his or her particular factual situation for advice or service concerning specific matters.

6. You agree to provide true, accurate, current and complete information about your business when you elect to provide business information to us. You also agree to maintain and promptly update any such information to keep it accurate.

7. Although the Company uses reasonable efforts to provide accurate and current information through this Site, the Company and content providers make no warranties or representations as to the accuracy, reliability, or comprehensiveness of the content on this Site or any service. The information provided on this Site and any service is provided on as “AS IS” “AS AVAILABLE” basis. To the fullest extent permitted by law, the Company disclaims all warranties of any kind, whether express or implied, with regard to information contained on this Site and any service, including all implied warranties of merchantability, fitness for a particular purpose and non-infringement. The Company and the content providers cannot and do not guarantee or warrant that the files available for downloading from this Site and any service will be free from infections or viruses, worms, Trojan horses, or other code with contaminating or destructive properties. You agree to release and hold the Company harmless from any and all claims, losses, expenses or damages relating to any disclaimed warranty described in this paragraph.

8. You also agree that you will indemnify and hold harmless the Company and its shareholders, directors, officers, and employees from all claims arising out of or related to your access or use of, or your inability to access or use, this Site, or the information contained in this Site or other websites to which it is linked, including, but not limited to, claims that you have found, something you have heard, viewed or downloaded from this Site or any other website to which it is linked to be obscene, offensive, defamatory, or infringing upon your intellectual property rights or those of any third party. In no event will the Company or any of the information contributors to the Site be liable to you or anyone else for any decision made or action taken by you in reliance on such information or for any consequential, special or similar damages, even if the Company has been advised of the possibility of such damages. The Company cannot and will not assume any liability for unauthorized or fraudulent use of this Site and/or any services.

9. These Terms of Use constitute your entire agreement with the Company regarding this Site and supersede all prior or contemporaneous communications and proposals, whether electronic, oral or written between the user and the Company with respect to the Site. This Site or the service offered herein may not comply with legal requirements of foreign countries, therefore the Site, its contents, and the services are intended only for access and use by United States residents and are presented solely as a service to visitors and/or subscribers located in the United States of America and its territories. There Terms of Use are governed by and construed in accordance with the laws of the State of Missouri, without giving effect to any principles of conflicts of law. You expressly and irrevocably agree that exclusive jurisdiction and venue for any claim or dispute with the Company, its employees, contractors, officers, directors, and content providers or relating in any way to your use of this Site or the services resides in the U.S. District Court for the Eastern District of Missouri (if federal jurisdiction exists) or the courts of the State of Missouri and you further irrevocably agree and expressly and irrevocably consent to the exercise of personal jurisdiction in those courts over any action brought under the Terms of Use.

PRIVACY POLICY

Information is the cornerstone of our ability to provide superior service. However, our most important asset is our clients' trust. Therefore, keeping client information secure, and using it only as our clients would want us to, is a top priority for all of us at 5 Horizons Group, LLC.

* We will not sell, rent or share any personally identifiable information you provide without your consent
* We will not send you any unsolicited e-mail ("Spam")

Information Collected
Our web servers automatically capture your domain name, the IP address of the web page from which you enter our site, the pages you visit on our site and the amount of time you spend here. 5 Horizons Group does not collect any information that can reveal your personal identity unless you voluntarily provide it when you register to use interactive features of the site or receive information from us.

Use of the Information Gathered/Tracked
Any personally identifiable information you provide to 5 Horizons Group will be used only to provide the product, service or information you requested or for which you registered. Your personally identifiable information, including your e-mail address, will not be sold, rented, licensed, or otherwise shared with third parties unless you specifically consent to let us do so. The non-personally identifiable information we gather in aggregate form may be used to improve our site, and we may share that information with our member companies. Additionally, in limited cases, 5 Horizons Group may share customer names and contact information with a third party offering financial products and services that supplement the products and services provided by 5 Horizons Group (assuming the customer has not exercised a right to opt out of such sharing). Except in these limited cases, 5 Horizons Group does not transmit any personal information collected through this site to third parties for marketing purposes. Personal information may be transmitted, however, if there is a specific need to complete a transaction requested by the visitor.

Access to Information Collected

Certain 5 Horizons Group employees will be provided with a visitor’s information in order to respond to that visitor’s needs and provide the visitor with information regarding specific products in which the visitor may have an interest. 5 Horizons Group employees are instructed to use strict standards of care in handling the personal, confidential information of its customers. 5 Horizons Group employees who do not conform to our confidentiality rules are subject to disciplinary sanctions.

Children’s Information

We respect the privacy of your children and do not knowingly collect or retain personally identifiable information from children under the age of 13 through our website.

Cookies
A cookie is a small piece of information about an Internet session that may be created when a visitor accesses a web site. When you visit the 5 Horizons Group’s Web Site, we may place a cookie on your computer that will allow us to customize and enhance your experience at our site, make improvements to our site, or to report site activity. Our cookies will never be used to track your activity on any third party web sites or to send Spam.

Sites to which 5 Horizons Group Links
If you choose to use any of the links we provide to other companies, sponsors, or third party resources, you will be leaving our web site and going to a new web site. Protection of your privacy at those other sites will be governed by the privacy policy at that site. Please take the time to read the privacy policies at those other sites. The inclusion of any link does not imply endorsement by 5 Horizons Group.