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Terms and Conditions for Use of This Site
updated June 19, 2006

This web site (www.QVMresearch.com, the "Site") is owned and operated by QVM Group LLC, a Connecticut corporation with offices at 18 South Mill, Glastonbury, CT06073 USA, and is also operated under the trade name, "QVM INVEST (the "Service").

Access to and use of the Site is subject to the following terms and conditions and all applicable laws. By accessing the Site, you fully acknowledge and accept these terms of our DISCLAIMER FOR PUBLISHED MATERIALS and these conditions:

1. The Site retains all rights, including copyright, in data, images, software, documentation, text, and other information contained in these files (collectively, the "Materials") subject in some cases to third-party rights. Copyright and other proprietary rights may be held by individuals or entities other than, or in addition to, the Service.

2. The Service is making the Materials available for limited non-commercial, educational, and personal use only, in accordance with the fair use provisions of the copyright laws. Users may download these files for their personal or educational use, subject to any additional terms or restrictions, which may be applicable to the individual file or program. Users must cite the author and source of the Materials as they would material from any printed work, and the citations should include the URL "http://www.QVMresearch.com" in addition to all copyright and any proprietary notices contained on the Materials. Any use of the Materials that does not qualify as fair use is subject to the Service's prior written approval, and the user must request and receive such approval prior to any use. Copying or redistribution in any manner for commercial use, including commercial publication, or for sale, or to give copies of reports to others is strictly prohibited, without the express prior written permission of the Service.

3. Many of the trademarks, service marks, and logos (collectively, the "Trademarks") displayed on this Site, including QVM GROUP and QVM INVEST, are registered and/or unregistered marks of the Service. The Trademarks of third parties may also be displayed on this site. Nothing contained in this site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademarks displayed on the site without the express written permission of the Service or any third party that may own the Trademarks displayed on the site. Any unauthorized use of the Trademarks or any other Materials, except as authorized in these Terms and Conditions, is strictly prohibited.

4. Without limiting the foregoing, all Materials on the site are provided "AS IS" WITHOUT A WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR USE, AND/OR NON-INFRINGEMENT. The Service assumes no responsibility, and shall not be liable for, any damages to, or viruses that may infect, your computer equipment or other property on account of your use of the site or your downloading of any Materials from the site or delivered through email or email attachment by request of the user.

5.The Service has taken steps to limit the potential for the Site or reports available from the Site to be infected with viruses, but cannot guarantee that they are virus-free. You should ALWAYS use virus protection software when viewing this site or downloading files or detaching email attachments from this Site or the Service. Virus protection of your computers and files is your responsibility.

6. The Service has not reviewed all of the sites linked to the site and is not responsible for the content of any off-site pages or other sites linked to the site. Your linking to any off-site pages or other sites is at your own risk.

7. Anyone wishing to use the Materials from this Site for purposes other than as authorized herein must obtain prior written approval. Permission for such use is granted on a case-by-case basis at the sole discretion of the Service, or the relevant rights holder, as the case may be. A usage fee may be charged depending on the nature of the proposed use. Contact the Service at CustomerService@QVMgroup.com for more information about a specific case.

8. The Service may at any time revise these Terms and Conditions 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.



IMPORTANT NOTE: We are a Registered Investment Advisor. We do not sell investments or have custody of client assets, nor do we participate in capital gains on managed accounts. We are professional advisors compensated on an hourly basis or flat fee basis for portfolio management or for our coaching advice. Clients for personal investment advice receive recommendations and guidance tailored to their specific needs. Newsletters and research publications, are not personal investment advice, are generic in nature and should not be interpreted as specific advice for any specific person or situation. In our research, we utilize information sources that we believe are reliable, but do not warranty the accuracy of those sources or our analysis. Opinions expressed in any of our commentaries, anywhere on this site or in our publications, or in any republication of our materials, are as of the date of publication, and may not represent our views at subsequent times. Our opinions and positions may change as subsequent conditions vary. Past performance is no guarantee of future performance, and there is no guarantee that any forecast will come to pass. Do not rely solely on this material when making an investment decision. Other factors may be important too. Investment involves risks of loss of capital. Consider seeking professional advice before implementing your portfolio ideas.
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