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Please read these terms and conditions (the "Terms of Use") carefully as they apply to your access and/or use of this website (the "Site"). By accessing this Site and any pages thereof, you acknowledge your agreement with and your understanding of these Terms of Use. If you do not agree to these Terms of Use, please do not access or use this Site. These Terms of Use are subject to change at any time. This Site is owned and operated by Excel Capital Management Corporation ("Excel Capital") or the Company, a company incorporated in the Commonwealth of New Jersey, United States of America and New Jersey State law governs this Site and these Terms & Conditions of Use.

Accuracy And Completeness of Information : The data and information on this site is provided for informational purposes only. - The use of this Website is at your own risk. This website provides the user with information about certain products and services specifically identified as being offered by Excel Capital Management Corporation. The information contained in this site about these products and services has been obtained from sources deemed to be reliable. However, Excel Capital Management Corporation, cannot always and in no way can specifically guarantee the accuracy and completeness of such information.

"AS IS" Information : By use of this website, you further acknowledge and agree that all information in this website and the information provide by way of any links to third party websites is provided "AS IS"; and that Excel Capital Management Corporation, is not responsible for any statements or information contained in the websites of such third parties. The links provided herein are maintained by their respective organizations who are each solely responsible for their content.

No Tax or Legal Advice  : Excel Capital Management Corporation, its employees, administrators, representatives, or agents, do not provide legal or tax advice. Nothing on this website should be construed as providing specific financial, investment, business, accounting, tax or legal advice.

This website merely provides general information which Excel Capital Management Corporation, obtained from sources it believes to be reliable.

However, the accuracy and completeness of such information cannot be guaranteed. Applicable laws and regulations concerning the information contained on this website are complex and subject to change without notice.

For legal, accounting or tax advice concerning your specific situation, you should consult your attorney, accountant or tax adviser prior to making any decisions involving any actions regarding your retirement plan or regarding any information offered or contained at this website.

Hold Harmless : By visiting and using this website and any of the services described herein, you agree to, protect, save and hold Excel Capital Management Corporation, their respective owners, directors, officers, employees and agents harmless from and against any and all claims for damages, losses or expenses that you may sustain related to the use of any of the information, services or products described herein by Excel Capital, or by or from any third party or their website that may be revealed on or linked to this website, and that you further irrevocably agree that you will make no claim of any kind related to such use against Excel Capital Management Corporation, or their respective owners, directors, officers, employees, heirs and agents.

Intellectual Property : All marks, trademarks and corporate identifiers contained on this website are the exclusive property of Excel Capital Management Corporation, a New Jersey Corporation, and may not be used, copied, reproduced or transferred without out the prior written consent of Excel Capital Management Corporation.

Copyright Notice : Any representations or images depicted on any and all pages of this website are "Copyright Excel Capital Management Corporation".

License and Reproduction : Nothing on this Site should be construed as granting a license or any other right to use any copyrights, trademarks or logos. Moreover, the downloading or printing of any materials on this Site will not result in the transfer, explicit or implied, of any rights. You may, however, download or print any pages from this Site for personal, non-commercial use only, provided you do not remove any copyright or other proprietary right notice.

As a user of this website, Excel Capital Management Corporation, grants you permission to print copies of portions of this website, but not the entire website, and to display and navigate around this website with a computer using HTML browser software, solely for your personal non-public use. Any commercial or public use of this website or any portion of this website, beyond the scope of this authorization is strictly prohibited. Except as stated herein, no portion of this website or its contents may be reproduced, copied, altered, or transmitted, in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of Excel Capital Management Corporation.

Links: The links from this Site to other websites are provided for your information and convenience only. Excel Capital does not assume any responsibility or liability with respect to any website linked from this Site (or any website linking into this Site), including its content and operation. Excel Capital does not review or monitor such links. Some websites may be outside your country and subject to different regulators and rules. A link from this Site to another website (or a link from another website to this Site) does not constitute a referral, endorsement, approval, advertising, offer or solicitation with respect to such website, its contents, or any products or services advertised or distributed through that website. Excel Capital believes that the links it provides to other publicly accessible websites, webpages, newsgroups, and other sources is legally permissible and consistent with the common, customary expectations of those who make use of the Internet. Without the written consent of the Excel Capital, no person and no website may make a link to this Site, whether to its homepage or to any internal page.

Communications Sent to Web Site Via "Contact Us" : Any communications or material forwarded to the "Contact Us" portion of this website via electronic mail will be treated as confidential. 

Remedies : Excel Capital Management Corporation, reserves the right to seek all remedies available at law and in equity for violations of the rules stated within this website, as well as the right to restrict access to this site from other particular Internet websites.

Excel Capital Management Corporation, intends for the information contained in this Website to be accurate and reliable. However, errors sometimes occur. Therefore, EXCEL CAPITAL MANAGEMENT CORPORATION, DISCLAIMS ANY WARRANTY OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO ANY MATTER WHATSOEVER RELATING TO THIS WEBSITE, INCLUDING WITHOUT LIMITATION ITS MERCHANTABILITY OR FITNESS FOR ANY PARTICULAR PURPOSE. IN NO EVENT SHALL EXCEL CAPITAL MANAGEMENT CORPORATION, BE LIABLE FOR ANY DIRECT OR INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES RELATING TO OR ARISING OUT OF THE USE OR INABILITY TO USE THE MATERIALS ON THIS WEBSITE.

In addition, the information provided herein is for informational purposes only and is subject to change without notice. Nothing on this site should be construed as either legal or tax advice or legal opinion.</p>

Right to Modify : Excel Capital Management Corporation, reserves the right to modify the rules and regulations governing this website at any time, without prior notice. When modifications appear on this website, users are deemed to be aware and bound by any changes to these rules and regulations. Information on this site is provided "AS-IS", and is intended for informational purposes only, and is subject to change without notice.