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TKG & Associates LLC Corporation ("TKG & Associates LLC") maintains this website to provide you with information regarding its products and services. The following Terms and Conditions ("Terms") govern the use of the Site. Using the Site constitutes your agreement to the Terms, which TKG & Associates LLC may update from time to time with prior notice. By using the Site following such an update, you consent to be bound by the Terms as updated. We recommend that you review these Terms each time you visit the Site. If you do not agree to these Terms at any time, you are not permitted to use the Site. If you violate the Terms, TKG & Associates LLC reserves the right to seek all available remedies at law and in equity. You agree to use the site for lawful purposes only and are prohibited from violating or attempting to violate the site's security. All content you see on the site is intended only for personal, non-exclusive and non-commercial use. TKG & Associates LLC owns all of the right, title and interest to copyright in the pages, screens, text and images appearing on the site. The information and materials contained on the Site cannot be downloaded, reproduced, published, modified, distributed, posted, or otherwise used except as provided herein without TKG & Associates LLC's express written permission. TKG & Associates LLC is not responsible for any errors or omissions (negligent or otherwise), regardless of the cause, for the results obtained from the use of the Content, or for the security or maintenance of any data input by the user. The Content is provided on an "as is" basis. In no event shall TKG & Associates be liable to any party for any direct, indirect, incidental, exemplary, compensatory, punitive, special or consequential damages, costs, expenses, legal fees, or losses (including, without limitation, lost income or lost profits and opportunity costs or losses caused by negligence) in connection with any use of the Content even if advised of the possibility of such damages. Credit-related and other analyses, including ratings, and statements in the Content are statements of opinion as of the date they are expressed and not statements of fact. TKG & Associates opinions, analyses and rating acknowledgment decisions (described below) are not recommendations to purchase, hold, or sell any securities or to make any investment decisions, and do not address the suitability of any security. TKG & Associates assumes no obligation to update the Content following publication in any form or format. The Content should not be relied on and is not a substitute for the skill, judgment and experience of the user, its management, employees, advisors and/or clients when making investment and other business decisions. While TKG & Associates has obtained information from sources it believes to be reliable, TKG & Associates does not perform an audit and undertakes no duty of due diligence or independent verification of any information it receives.