Terms of Use

1. Terms

By accessing this web site, you are agreeing to be bound by these web site
Terms and Conditions of Use, all applicable laws and regulations, and agree
that you are responsible for compliance with any applicable local laws. If you
do not agree with any of these terms, you are prohibited from using or
accessing this site. The materials contained in this web site are protected by
applicable copyright and trade mark law.
2. Use License

1. Permission is granted to temporarily download one copy of the materials
(information or software) on Equity Guard Financial Group's web site for
personal, non-commercial transitory viewing only. This is the grant of a
license, not a transfer of title, and under this license you may not:
1. modify or copy the materials;
2. use the materials for any commercial purpose, or for any public display
(commercial or non-commercial);
3. attempt to decompile or reverse engineer any software contained on
Equity Guard Financial Group's web site;
4. remove any copyright or other proprietary notations from the materials;
or
5. transfer the materials to another person or "mirror" the materials on any
other server.
2. This license shall automatically terminate if you violate any of these
restrictions and may be terminated by Equity Guard Financial Group at any
time. Upon terminating your viewing of these materials or upon the
termination of this license, you must destroy any downloaded materials in
your possession whether in electronic or printed format.

3. Disclaimer

1. The materials on Equity Guard Financial Group's web site are provided "as
is". Equity Guard Financial Group makes no warranties, expressed or implied,
and hereby disclaims and negates all other warranties, including without
limitation, implied warranties or conditions of merchantability, fitness for a
particular purpose, or non-infringement of intellectual property or other
violation of rights. Further, Equity Guard Financial Group does not warrant or
make any representations concerning the accuracy, likely results, or
reliability of the use of the materials on its Internet web site or otherwise
relating to such materials or on any sites linked to this site.

4. Limitations

In no event shall Equity Guard Financial Group or its suppliers be liable for
any damages (including, without limitation, damages for loss of data or profit,
or due to business interruption,) arising out of the use or inability to use the
materials on Equity Guard Financial Group's Internet site, even if Equity Guard
Financial Group or a Equity Guard Financial Group authorized representative
has been notified orally or in writing of the possibility of such damage.
Because some jurisdictions do not allow limitations on implied warranties, or
limitations of liability for consequential or incidental damages, these
limitations may not apply to you.
5. Revisions and Errata

The materials appearing on Equity Guard Financial Group's web site could
include technical, typographical, or photographic errors. Equity Guard
Financial Group does not warrant that any of the materials on its web site
are accurate, complete, or current. Equity Guard Financial Group may make
changes to the materials contained on its web site at any time without
notice. Equity Guard Financial Group does not, however, make any
commitment to update the materials.
6. Links

Equity Guard Financial Group has not reviewed all of the sites linked to its
Internet web site and is not responsible for the contents of any such linked
site. The inclusion of any link does not imply endorsement by Equity Guard
Financial Group of the site. Use of any such linked web site is at the user's
own risk.
7. Site Terms of Use Modifications

Equity Guard Financial Group may revise these terms of use for its web site
at any time without notice. By using this web site you are agreeing to be
bound by the then current version of these Terms and Conditions of Use.
8. Governing Law

Any claim relating to Equity Guard Financial Group's web site shall be
governed by the laws of the State of New Jersey without regard to its
conflict of law provisions.

General Terms and Conditions applicable to Use of a Web Site.
Privacy Policy

Your privacy is very important to us. Accordingly, we have developed this
Policy in order for you to understand how we collect, use, communicate and
disclose and make use of personal information. The following outlines our
privacy policy.

* Before or at the time of collecting personal information, we will identify
the purposes for which information is being collected.
* We will collect and use of personal information solely with the objective of
fulfilling those purposes specified by us and for other compatible purposes,
unless we obtain the consent of the individual concerned or as required by
law.
* We will only retain personal information as long as necessary for the
fulfillment of those purposes.
* We will collect personal information by lawful and fair means and, where
appropriate, with the knowledge or consent of the individual concerned.
* Personal data should be relevant to the purposes for which it is to be
used, and, to the extent necessary for those purposes, should be accurate,
complete, and up-to-date.
* We will protect personal information by reasonable security safeguards
against loss or theft, as well as unauthorized access, disclosure, copying,
use or modification.
* We will make readily available to customers information about our policies
and practices relating to the management of personal information.

We are committed to conducting our business in accordance with these
principles in order to ensure that the confidentiality of personal information is
protected and maintained.