Thank you for visiting the website (the "Site") of Hooker & Holcombe,
Inc. and Hooker & Holcombe Investment Advisors, Inc. ("The Hooker & Holcombe
Companies", or "we"). Hooker & Holcombe, Inc. is a firm of
retirement plan professionals, providing employers with actuarial, administrative
and consulting services. Hooker & Holcombe Investment Advisors, Inc. is
a wholly-owned subsidiary of Hooker & Holcombe, Inc., and specializes in
investment management services for retirement plans. We maintain the Site to
provide interested parties with information about who we are and what we do.
We also make available, for the convenience of plan sponsors and participants,
certain tools to be used in connection with certain retirement benefits.
We hope that you find the Site helpful. We have established the following terms
and conditions (the "Terms and Conditions") that govern your use of
the Site. The Terms and Conditions include important legal language and definitions,
so please read them carefully. By using the Site, you agree to be bound by the
Terms and Conditions set forth herein. In addition, we suggest that you review
our Privacy Policy to learn about our policies and practices with regard to
information we collect from or about individuals to whom we provide services.
We reserve the right to make changes to the Site, the Terms and Conditions,
and the Privacy Policy at any time. We encourage you to review the Site regularly
for any updates or changes. Your continued use of the Site shall be deemed your
acceptance of any changes and the reasonableness of these standards for notice.
Please read this Agreement carefully because the terms are binding upon you.
If you are a regular user of this Site, please check this Agreement for updates.
It governs your use of the Site and Service. We may also post additional terms
and conditions that apply to specific Site areas. These area-specific terms
and conditions are incorporated into the Agreement.
NO INVESTMENT ADVICE, SOLICITATION, OR OFFER
This website and its content are for information and educational purposes only.
Neither the information nor any opinion contained on this website constitutes
investment advice, or a solicitation or an offer to sell any securities or other
financial instruments, or to provide any investment advice or service.The Hooker & Holcombe
Companies is not using this website to provide investment or other advice, and
no information or material on this website may be relied upon for the purpose
of making or communicating investment decisions.
DISCLAIMERS AND LIMITATIONS OF LIABILITY
We may make changes to the information, tools, products and services on the
Site at any time. Although we attempt to keep the information on the Site accurate,
complete, and reasonably current, we do not represent or warrant that the content
herein is accurate, complete, or current. The content of the Site may include
technical inaccuracies or typographical errors. The information on the Site
may include information provided by third parties, which information we do not
independently verify.
The material on the Site is provided for informational purposes only. The Hooker & Holcombe
Companies are not providing tax, legal or investment advice, or acting as a
fiduciary, by publishing the information contained on the Site. The information
contained on the Site is provided for informational purposes only and is not
a solicitation or offer to sell securities, nor should it be used by others
in connection with any sale, or offer for sale or solicitation of any offer
to buy securities. The information contained on the Site is not a solicitation
or offer to sell products or services. Certain information available on the
Site may contain forward-looking statements, which are subject to risks and
uncertainties and speak only as of the date on which they are made. We shall
have no obligations to update or revise any forward-looking statements.
THE INFORMATION AND MATERIALS CONTAINED ON THE SITE ARE PROVIDED "AS IS",
ON AN "AS AVAILABLE" BASIS. THE HOOKER & HOLCOMBE COMPANIES AND
THEIR AGENTS AND THIRD PARTY PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES OF
ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, ANY WARRANTY
OF ACCURACY, ADEQUACY OR COMPLETENESS OF INFORMATION AND MATERIALS, TITLE, NON-INFRINGEMENT,
MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER
VIRUS, BUGS OR OTHER HARMFUL COMPONENTS. THE HOOKER & HOLCOMBE COMPANIES
AND THEIR AGENTS AND THIRD PARTY PROVIDERS EXPRESSLY DISCLAIM LIABILITY FOR
ERRORS OR OMISSIONS IN THE INFORMATION AND MATERIALS CONTAINED IN THE SITE.
IN NO EVENT WILL THE HOOKER & HOLCOMBE COMPANIES, OR THEIR AGENTS OR THIRD
PARTY PROVIDERS, BE LIABLE FOR ANY DAMAGES, LOSSES OR EXPENSES, INCLUDING WITHOUT
LIMITATION DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES, LOSSES
OR EXPENSES ARISING IN CONNECTION WITH THE SITE, USE THEREOF, OR INABILITY TO
USE, BY ANY PARTY, OR RELIANCE ON ANY INFORMATION CONTAINED HEREIN REGARDLESS
OF WHETHER THE HOOKER & HOLCOMBE COMPANIES OR SUCH AGENT OR PROVIDER IS
NOTIFIED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.
The foregoing limitations on liability shall apply to the extent permitted
by law.
INDEMNIFICATION
You agree to indemnify, defend, and hold The Hooker & Holcombe Companies
and its subsidiaries, affiliates, officers, directors, agents, partners, and
employees harmless from any and all claims, losses, liability, costs, or demands
and expenses (including, without limitation, reasonable attorneys' fees), arising
from or in connection with your use of the Site, your violation of these Terms
and Conditions, or your violation of any rights of another. This obligation
will survive the termination of these Terms and Conditions and your use of the
Site.
REGISTRATION
Certain sections of the website may require you to register. If registration
is requested, you agree to supply Hooker & Holcombe with accurate and complete
registration information. It is your responsibility to inform Hooker & Holcombe
of any changes to that information. You are responsible for maintaining the
confidentiality of your account number and/or password. You are responsible
for all uses of your account, whether or not actually or expressly authorized
by you.
CALCULATIONS
Portions of the Site may permit you to calculate certain estimated future values
of retirement benefits. ANY CALCULATION TOOLS ARE PROVIDED FOR ILLUSTRATIVE
PURPOSES ONLY AND SHOULD NOT BE RELIED UPON. The actual amount of any retirement
benefit will be calculated at the time of retirement (or any other relevant
future event). Actual results may vary materially from the estimates calculated
on the Site. Further, please read all relevant assumptions and limitations regarding
a particular calculation on the specific webpage that provides the calculation
tool.
The content of the Site, including but not limited to the text and images and
their arrangement, are protected by copyright: © 2006 Hooker & Holcombe,
Inc. and Hooker & Holcombe Investment Advisors, Inc. All rights reserved.
The Hooker & Holcombe name, the H&H logo, and other trademarks, service
marks, and logos (the "Trademarks") used and displayed on this Site
are registered and unregistered Trademarks of Hooker & Holcombe, Inc., or
an affiliate of Hooker & Holcombe. Nothing on this Site shall be construed
as granting, by implication, estoppel, or otherwise, any license or right to
use any Trademark displayed on the site without our express prior written permission.
Hooker & Holcombe prohibits the use of the Hooker & Holcombe name, any
of its registered domain names and any of its other trademarks as part of a
link to or from any site unless approved in advance by Hooker & Holcombe
in writing. You may not use any metatags or any other hidden text utilizing
any Hooker & Holcombe Company domains, Mercer, or other Trademarks without
our express prior written consent.
You may download or print a reasonable number of copies of the information
or materials contained on the Site only for your own personal, non-commercial
use, provided that any copy retains all copyright and other proprietary notices
contained on the materials. Any other copying, republication or redistribution,
reproduction, uploading, posting, or transmission of the materials contained
on the Site (whether electronically or otherwise), including, without limitation,
linking or framing, or creating derivative works based on the materials contained
on the Site, is expressly prohibited without our prior express written permission.
As between you and us, title to, and all intellectual property rights in, the
material on the Site remain in The Hooker & Holcombe Companies.
<### LOGOS HERE ###> are trademarks of The Hooker & Holcombe Companies.
Other trademarks contained on the Site are the property of their respective
owners.
LINKS TO THIRD PARTY WEBSITES
The Site contains links to websites of third parties. If you click on a link
to a third party website, you will leave the Site (and our server) and be routed
to a third party website not under our control. Access to any third party website
is at your own risk, and The Hooker & Holcombe Companies are not responsible
for the accuracy or reliability of any information, data, opinions, advice or
statements made on these linked websites, or for any damage that may arise from
use of such websites. We do not make any representations or warranties whatsoever
concerning the content of third party websites. The fact that we have provided
a link to a website is NOT an endorsement, authorization, sponsorship, or affiliation
by us with respect to such website, its owners, or its providers; we are providing
these links only as a convenience to you. We have not tested any information,
software, products or services found on these websites and therefore cannot
make any representations whatsoever with respect thereto. There are risks in
using any information, software, products or services found on the Internet.
We caution you to make sure that you completely understand these risks before
retrieving, using, relying upon, or purchasing anything via the Internet. We
encourage you to review the terms and conditions and privacy policy of any third
party website that you visit.
EXPORT/IMPORT RESTRICTIONS AND TARIFFS
Software from this Site is further subject to United States Export Controls.
No software from this Site may be downloaded or exported (i) into (or to a national
resident of) Cuba, Iraq, Libya, North Korea, Iran, Syria, or any other country
to which the United States has embargoed goods; or (ii) anyone on the United
States Treasury Department's list of Specially Designated Nationals or the U.S.
Commerce Department's Table of Deny Orders. By downloading or using the software,
you represent and warrant that you are not located in, under the control of,
or a national or resident of any such country or on any such list.
ACCESS CODES; CONSENT TO TRANSMISSION OF INFORMATION
If you obtain from us or your plan sponsor a username, password or other similar
access device ("Personal Access Device") for use of a restricted portion
of the Site, you are responsible for maintaining the confidentiality of any
such Personal Access Device and are fully responsible for all activities that
occur using such device. You agree to hold us harmless from and against any
damages caused by the unauthorized use of any Personal Access Device, unless
such unauthorized use was caused by our gross negligence or willful misconduct.
You agree to immediately notify us of any unauthorized use of any Personal Access
Device or any other breach of security.
You acknowledge that, by using a Personal Access Device, you may be able to
access certain private information about your retirement account and/or benefits.
In doing so, you may be transmitting personal information. By using the Site
to gain access to your personal information, you consent to the transmission
by electronic means of that information.
CHOICE OF LAW; VENUE
Hooker & Holcombe Investment Advisor’s investment consulting business
is governed by the Securities and Exchange Commission in the United States of
America.
Your access to, and use of, the Site and the Terms and Conditions will be governed
by and be interpreted pursuant to the laws of the State of Connecticut, United
States of America, notwithstanding any principles of conflicts of law. The state
courts of, and the federal courts located in, the State of Connecticut shall
have exclusive jurisdiction over any cause of action arising out of or related
to the content or use of the Site or the Terms and Conditions. You consent to
jurisdiction in such courts and specifically waive any objection to such venue
or jurisdiction.
SEVERABILITY
If any part of the Terms and Conditions is held to be unlawful, void, or unenforceable,
that part will be deemed severable and will not affect the validity and enforceability
of any remaining provisions.
TERMINATION
This agreement shall continue in full force and effect for so long as you use
the Site. If you no longer agree to be bound by the Terms and Conditions, you
must cease your use of the Site.
Subject to applicable law, we reserve the right to suspend or deny, in our
sole discretion, your access to all or any portion of the Site with or without
notice. You agree that any termination of your access to the Site may be effected
without prior notice and that we shall not be liable to you or any third party
for any termination of your access to the Site.
GENERAL
The Terms and Conditions constitute the entire agreement between us (you and
us) and govern your use of the Site. Our failure to exercise or enforce any
right or provision of the Terms and Conditions shall not constitute a waiver
of such right or provision. You agree that any claim or cause of action arising
out of or related to use of the Site or the Terms and Conditions must be filed
within one year after such claim or cause of action arose or be forever barred.
The section headings in the Terms and Conditions are for convenience only and
have no legal or contractual effect. You agree that no joint venture, partnership,
employment, or agency relationship exists between you and The Hooker and Holcombe
Companies as a result of this agreement or your use of the Site.
