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MEMBER RULES
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DISCLAIMER OF WARRANTIES AND LIMITATION OF LIABILITY

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TO THE FULL EXTENT PERMISSIBLE BY APPLICABLE LAW, MicrocapMoney.com DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. MicrocapMoney.com DOES NOT WARRANT THAT THIS SITE, IT'S SERVERS, OR E-MAIL SENT FROM MicrocapMoney.com ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. MicrocapMoney.com, ITS MEMBERS, MANAGERS, OWNERS, AGENTS AND EMPLOYEES WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING FROM THE USE OF THIS SITE, INCLUDING, BUT NOT LIMITED TO DIRECT, INDIRECT, INCIDENTAL, PUNITIVE, AND CONSEQUENTIAL DAMAGES.

CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS, EXCLUSIONS, OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MIGHT HAVE ADDITIONAL RIGHTS.

INDEMNIFICATION

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TERMINATION

Should you object to any terms and conditions of these Terms of Use or any subsequent changes to the terms and conditions or become dissatisfied with MicrocapMoney.com in any way, your only recourse is to immediately discontinue use of MicrocapMoney.com and terminate your subscription by notifying MicrocapMoney.com. You may take this action by sending an e-mail to: unsubscribe@MicrocapMoney.com.

LAWS

The Terms of Use are governed by and construed in accordance with the laws of the State of Florida and the intellectual property laws of the United States.

You agree that any cause of action arising out of or related to MicrocapMoney.com must commence within one year after the cause of action arose; otherwise such cause of action is permanently barred.

Any controversy or claim arising out of or relating to the Terms of Use, or the breach thereof, shall be settled by arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. The arbitration shall be conducted in Seminole County, Florida.

Recognizing the global nature of the Internet, you agree to comply with all local rules regarding online conduct and acceptable Content. Specifically, you agree to comply with all applicable laws regarding the transmission of data exported from the United States or the country in which you reside.

DISCLAIMER

By registering at MicrocapMoney.com, you agree to have read the disclaimer.

Privacy Policy
Your use of our site is subject to our privacy policy. You have read the privacy policy and it is reasonable and acceptable to you. Your acceptance of our Terms is also your consent to the information practices in our privacy policy.

MODIFICATION OF THESE TERMS OF USE
MicrocapMoney.com reserves the right, at is discretion, to change, modify, add or remove all or part of the Terms of Use at any time.

COPYRIGHT NOTICES

All contents on the www.MicrocapMoney.com website are: Copyright © 2001-2007 Heritage First Capital & Equity Research Group, LLC and/or its suppliers. All rights reserved.



PRIVACY POLICY:
This policy articulates how Heritage First Capital & Equity Research Group treats personal information that MicrocapMoney.com collects and receives. Personal information is information about you that is personally identifiable like your name, address, email address, or phone number, and that is not otherwise publicly available.

COLLECTION AND USE

Heritage First Capital & Equity Research Group collects personal information when you register with MicrocapMoney.com. We ask for information such as your name and email address. Once you register with MicrocapMoney.com and sign in to our website, you are not anonymous to us.

Heritage First Capital & Equity Research Group may automatically receive and record information on our server logs from your browser, including your IP address, cookie information, and the page you request.

Heritage First Capital & Equity Research Group uses information for the following general purposes: to personalize the content you see, fulfill your requests, contact you, and to improve our services.

INFORMATION SHARING

Heritage First Capital & Equity Research Group DOES NOT RENT, SELL, OR SHARE PERSONAL INFORMATION about you with other people or nonaffiliated companies except to provide products or services you've requested, when we have your permission, or under the following circumstances:

• We respond to subpoenas, court orders, or legal process, or to establish or exercise our legal rights or defend against legal claims;

• We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of Heritage First Capital & Equity Research Group's terms of use, or as otherwise required by law.

• Heritage First Capital & Equity Research Group is acquired by or merged with another company. In this event, Heritage First Capital & Equity Research Group will notify you before information about you is transferred and becomes subject to a different privacy policy.

CONFIDENTIALITY

We limit access to personal information about you to employees who we believe reasonably need to come into contact with that information to provide products or services to you or in order to do their jobs.

COOKIES

We may place a cookie on your personal computer. A cookie is a small computer file that our computer sends to your computer and that your computer sends back to us each time you make a request from our site. Cookies help us recognize you when you visit our site again. We use cookies on our site to collect session data for several purposes to personalize and improve your individual viewing experiences on our site. Most Internet browsers automatically accept cookies. However, you can instruct your browser, by editing its options, to stop accepting cookies or prompt you before accepting a cookie from the sites you visit.

CHANGES TO PRIVACY POLICY

Heritage First Capital & Equity Research Group may update this policy. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your MicrocapMoney.com account or by placing a prominent notice on our site.