Before using the Advance Factor Site, please carefully read these terms and conditions:

Advance Factor maintains this Site in order to provide you with financial information about Advance Factor's products and services and to facilitate transactions made online with Advance Factor and any of its related companies and affiliates.

Advance Factor requires that all visitors to our Site(s) ensure they adhere to the following rules and regulations:

• The materials and information contained on the Site may not be displayed, copied, distributed, licensed, modified, downloaded, reposted, reproduced, reused, sold, or used for public or commercial purposes, without the express written permission of Advance Factor.
• By accessing the Advance Factor Site, you indicate your acknowledgement and acceptance of the terms and conditions, and from time to time we may revise these terms and conditions.
• You may not be eligible for all the products and services, as described in our Site and Advance Factor reserves the right to determine eligibility for any product or service.
• Advance Factor maintains this Site in order to provide you with information on Advance Factor's products and services and to facilitate transactions made online.
• Any information that Advance Factor collects may be used in legal proceedings against you.
• Any material or communication that you transmit to use via the Site or email is on a confidential basis and may be used by Advance Factor for any purpose within the limits of our privacy statement.
• Copyright on the screens, pages, images and texts, appearing on the Site, is owned by Advance Factor or other affiliates, as indicated.
• The user of this Site assumes total responsibility and risk for the use of this Site and the use of third party sites.
• You agree that access to and use of the Site is at your own risk.
• Advance Factor will utilize our best efforts to ensure that the information contained on the Site is accurate and up to date, but we make no guarantees or representations as to the accuracy of all the information contained on the Site.
• The material and links provide on the Advance Factor Site, including content and information contained within the Site, are provided without warranties of any kind, including warranties of fitness for a particular purpose, merchantability, or non-infringement of intellectual property.
• Advance Factor reserves the right to all data presented on the website. All calculators have been created for Advance Factor only, and are copywrited under Federal Law. Our calculators are designed with an encrypted code in order to distinguish if the calculator has been stolen from our website. If you are caught selling, using or advertising the design without permission, you will be held legally liable and subject to copyright infringement and legal action will be taken.
• You agree that your use of the Advance Factor Site shall be governed by all applicable US Federal laws and State laws.