Terms of Use for Advisors Financial Group

Effective January 1, 2006

Welcome to the website operated and published by Advisors Financial Group (AdvisorTool). Advisor Tool provides this site for information to the greater public under these Terms of Use. By accessing and using Advisor Tool website, you agree to these Terms of Use. We may make updates or revisions to these Terms of Use by posting the changes online. Should you object to any such revision(s) to these Terms of Use or become dissatisfied with the Advisor Tool website in any way, your only recourse is to immediately discontinue usage of the Advisor Tool website. Otherwise, continuing to use the service after the effective date means that you agree to be bound by the changes.

This website is not for consumer use or the general public. Only licensed insurance agents and registered representatives may use the website.

Cost
There is no cost associated with using the basic services provided by the Advisor Tool website. At some point premium services maybe offered for a fee. Those areas will be clearly marked.

Copyrights & Trademarks
Material published on the Advisor Tool website, including articles, photos, graphics, bulletin board postings, audio and video clips, and other content, is copyrighted by the Advisor Tool, unless otherwise noted. Additionally, the entire content of Advisor Tool website is also copyrighted as a collective work under the United States copyright laws; the owner of the collective work is Advisors Financial Group. You cannot reproduce, republish or redistribute material from the Advisor Tool website in any way without the express written consent of Advisor Tool.

To obtain permission to reuse or republish any material copyrighted by the Advisor Tool , please contact us at 919-844-1777. The Advisor Tool site often provides helpful website links to sites not published by Advisor Tool . Please contact the copyright holder for permission to reuse or republish information for any sites not published by the Advisor Tool .

Disclaimer
The Advisor Tool website is provided on an "as is" and "as available" basis. We make no warranty of any kind, either express or implied. While the Advisor Tool website strives for accuracy, it does not warrant or guarantee the accuracy or completeness of any information or database on our service. Nor does the Advisor Tool website guarantee or warrant that any files available for downloading will be free of defects. Advisor Tool nor any of its partners shall be liable in any way to you or the other parties for delays, inaccuracies, errors or omissions in the material published in a Advisor Tool website.

While we take reasonable steps to ensure that no viruses, worms, Trojan horses or other destructive items are present, the entire risk as to the quality and performance of the Advisor Tool website and the accuracy and completeness of any information is with the user of our service.

Also, the Advisor Tool website does not warrant that our service will be uninterrupted or error-free. The Advisor Tool website makes no warranties, express or implied, including, without limitation, those of merchantability and fitness for a particular purpose any information published on the Advisor Tool website or any products or services sold through the Advisor Tool website.

Advice, Opinions and all other information expressed on the Advisor Tool website bulletin boards represent the individual's own views and not necessarily those of the Advisor Tool website. The Advisor Tool website does not endorse and is not responsible for statements, advice and opinions made by anyone other than authorized Advisor Tool website spokespersons.

Indemnification
You agree to indemnify, defend and hold Advisor Tool harmless from and against any and all liability, loss, claims, damages, costs and/or actions (including attorney's fees) based on or arising from any breach by you of your obligations under these Terms of Use. We reserve the right to defend any such claim, and you agree to provide us with such reasonable cooperation and information as we may request.

Jurisdiction
This Agreement between the Advisor Tool and its website users will be governed and interpreted under the laws of the state of North Carolina, without regard to its conflict of laws provisions. Any action brought in connection with this Agreement shall be filed within one year of the date of the alleged injury, in the General Court of Justice, Superior Court Division, State of North Carolina, County of Wake or U.S. District Court for the State of North Carolina, Eastern District, 4th Judicial District.

Arbitration
Any legal controversy or legal action arising out of or relating to these Terms of Use or the Advisor Tool website, excluding legal action taken by Advisor Tool to obtain an injunction relating to its intellectual property, shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American Arbitration Association. Any such controversy or claim shall be arbitrated on an individual basis, and shall not be consolidated in any arbitration with any claim or controversy of any other party. The arbitration shall be conducted in Raleigh, North Carolina, and judgment on the arbitration award may be entered into any court having jurisdiction thereof.

Termination
We reserve the right, without notice and in our sole discretion, to terminate any or all of the Advisor Tool website service and/or to block or prevent future access to and use of Advisor Tool website.

Questions
We hope that you enjoy your visit to the Advisor Tool website. If you have any questions about this Terms of Use Statement, please contact us:

By phone:
919-844-1777

By Email:

By Email:
support@advisortool.com

By mail:
Advisors Financial Group
P.O. Box 17388
Raleigh, NC 27619