Use Agreement

By using this site by browsing, accessing or downloading, you agree to be bound by the terms of this Agreement. If you do not agree with the terms of this Agreement, or are legally unable to agree to these terms, then you cannot use this site.

The information presented on this site is general only and you should not act upon this information without consulting your own advisors or engaging Berning & Affiliates, Inc. to apply the advice specific to you.

The materials presented on this site were accurate at the time they were written. Berning & Affiliates, Inc. makes no representation or warranty as to the accuracy of the information or for any omissions or other errors in the content. This site contains materials, individually and compiled, and proprietary information, including, but not limited to, text, video, graphics and software that are copyrighted under the United States copyright laws and international laws and treaties. By downloading the material, you do not acquire any ownership interest or rights to the copyrighted material. The material presented is for your personal use only and not for commercial purposes. You may not publish, copy, transmit, modify, link, create derivative works, or in any other way use, display or exploit the contents of this site in whole or in part without express written permission. In the event you are granted written permission to copy, transmit, publish, link the copyrighted materials, you may not make any changes or deletions and you must attribute to Berning & Affiliates, Inc. as the source of the material. You are prohibited from deep-linking into the site without attribution. Berning & Affiliates, Inc. assumes no responsibility and shall not be liable for any damages to, or viruses that may infect, your computer or other property as a result of your access to this site or your downloading of any materials. Berning & Affiliates, Inc. has not reviewed, and assumes no responsibility to review, any and/or all of the sites linked to this site. Berning & Affiliates, Inc. is not responsible for the contents of any other site linked to this site. Berning & Affiliates, Inc. has not authorized any third party to act as its agent or bind it in any other manner. Any communication or material you send to Berning & Affiliates, Inc. by electronic mail or otherwise is, and will be treated as, non-confidential and nonproprietary. By accessing this site, your computer may leave certain information. The information collected does not identify you, unless you register at the site. Berning & Affiliates, Inc. accumulates all non-registration information for use in developing this site and for marketing purposes. This information is not provided to others, nor is it sold to others, for any purpose. You may not alter any terms and conditions of this Agreement without the express written consent of Berning & Affiliates, Inc.. Any attempt to do so by you is hereby rejected and is void. Berning & Affiliates, Inc. may at any time revise this Agreement by updating this site. You agree to be bound by any such revisions. You should periodically visit this page to determine the current terms of use.